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PUBLIC DOCUMENT No. 8. 

€mnmontDeaItl) of itlassad)U0ctt0. 



ANNUAL EEPOKT 



OF THE 



" BANK COMMISSIONERS, 



DEOEMBEE 31, 1864. 



> i 



BOSTON: 

WRIGHT & POTTER, STATE PRINTERS, 

No. 4 Spring Lane. 

1865. 






ANNUAL REPORT 



OF THE 



BANK COMMISSIONERS. 



To Hon. Oliver Warner, Secretary of the Commonwealth : 

The Bank Commissioners have the honor to submit their 
Fourteenth Annual Report- 
In consequence of the Act of 1864, (chapter 94,) altering 
the time for making the annual report of the Bank Commis- 
sioners, so as to have it include, as formerly, their doings to 
the end of December in each year, the present Report com- 
prises a period of fifteen months, namely, from September 30, 
1863, the date of their last Report, to December 31, 1864. 
During this time the Commissioners have examined, in regular 
course, eighty-seven banks and fifty-two institutions for savings 
In addition to these, they have been called upon to make the 
examinations, required by chapter 244 of the Acts of 1863, 
and chapter 190 of the Acts of 1864, of all the banks in the 
Commonwealth that have surrendered their State charters 
during the past year and become National Banking Associa- 
tions. A list of these will be given in another place ; the 
banks that have been examined in regular course since the 
30th of September, 1863, are the following : — 



4 



BANK COMMISSIONERS' REPORT. 



[Jan. 



Banks Examined — 1863-4. 



NAME. 



Place. 



First day of 
Examination. 



Abington, 

Agawam, 

Agricultural, 

Andover, 

Appleton, 

Asiatic, 

Atlas, . 

Barnstable, 

Bay State, 

Beverly, 

Blackstone, 

Blackstone, 

Brighton, Bank of, 

Brighton Market, 

Bristol County, . 

Cambridge City, . 

Cape Ann, Bank of, 

Cape Cod, Bank of, 

Central, 

City Bank of Lynn, 

Columbian, 

Danvers, 

Eagle, 

Eliot, . 

Essex, 

Fall River, 

Fall River Union, 

Faneuil Hall, 

Framingham, 

Franklin County, 

Freeman's, . 

Gloucester, . 

Grafton, 

Grand, 

Granite, 

Hadley Falls, 

Haverhill, . 

Hingham, . 

Holliston, . 

Hopkinton, . 

Howard, 

Lowell, 

Lynn Mechanics' 

Machinists', . 

Marblehead, 

Market, 

Maverick, . 

Mechanics', . 

Mechanics', . 

Mercantile, . 



Abington, 

Springfield, 

Pittsfield, 

Andover, 

Lowell, 

Salem, 

Boston*, 

Yarmouth, 

Lawrence, 

Beverly, 

Boston, 

Uxbridge, 

Brighton, 

Brighton, 

Taunton, 

Cambridge, 

Gloucester, 

Harwich, 

Worcester, 

Lynn, . 

Boston, 

South Danvers, 

Boston, 

Boston, 

Haverhill, 

Fall River, 

Fall River, 

Boston, 

Framingham, 

Greenfield, 

Boston, 

Gloucester, 

Grafton, 

Marblehead, 

Boston, 

Holyoke, 

Haverhill, 

Hingham, 

Holliston, 

Hopkinton, 

Boston, 

Lowell, 

Lynn, . 

Taunton, 

Marblehead, 

Boston, 

Boston, 

New Bedford, 

Worcester, 

Salem, 



April 22, 
June 7, 
June 8, 
May 11, 
April 13, 
Mar. 29, 
Feb. 8, 
July 21, 
April 21, 
June 10, 
Mar. 1, 
Sept. 20, 
Sept. 29, 
April 28, 
Oct. 14, 
April 26, 
Aug. 19, 
July 20, 
April 19, 
Oct. 12, 
Nov. 18, 
May 12, 
Mar. 15, 
Mar. 8, 
May 25, 
May 10, 
Oct. 5, 
Feb. 15, 
April 20, 
June 16, 
Nov. 12, 
Aug. 18, 
Sept. 20, 
Aug. 24, 
Jan. 12, 
May 3, 
May 25, 
Aug. 30, 
July 13, 
July 12, 
Jan. 14, 
April 14, 
Mar. 25, 
Oct. 14, 
Aug. 24, 
Jan. 21, 
Jan. 27, 
Oct. 7, 
April 19, 
Mar. 23, 



1864. 
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1865.] 



PUBLIC DOCUMENT— No. 8. 



Banks Examined — Concluded. 







First day of 


NAME. 


Place. 


Examination. 


Merchants', . . 


Boston, . 


Feb. 9, 1864. 


Merchants', 


New Bedford, 


Oct. 6, " 


Metacomet, 


Fall River, . 


Oct. 5, " 


Milford, . 


Milford, 


July 13, " 


Miller's River, .... 


Athol, .... 


June 16, " 


Monument, ..... 


Charlestown, 


Oct. 6, 1863. 


Mutual Redemption, Bank of, 


Boston, 


Nov. 17, " 


National, 


Boston, 


Feb. 23, 1864. 


Naumkeag, 


Salem, 


Mar. 30, " 


Neponset, ..... 


Canton, 


April 8, " 


North America, Bank of, . 


Boston, 


June 5, " 


North Bridgewater, 


North Bridgewater, 


Oct. 28, " 


Ocean, 


Newburyport, 


May 21, " 


Oxford, . . 


Oxford, 


Oct. 20, 1863. 


Pemberton, 


Lawrence, . 


May 24,1864. 


Pittsfield, 


Pittsfield, . 


June 6, " 


Plymouth, 


Plymouth, . 


May 31, " 


Pocasset, 


Fall River, . 


Oct. 6, " 


Powow River, .... 


Salisbury, . 


May 20, " 


Prescott, ..... 


Lowell, 


April 13, " 


Railroad, 


Lowell, 


Nov. 10, 1863. 


Randolph, 


Randolph, . 


Sept. 16, 1864. 


Revere, . . . . 


Boston, 


Mar. 3, " 


Rollstone, ..... 


Fitchburg, . 


Sept. 22, " 


Shoe and Leather Dealers', 


Boston, 


Jan. 19, " 


South Reading, .... 


South Reading, . 


Sept. 26, " 


Spicket Falls, 


Methuen, 


May 24, " 


Taunton, 


Taunton, 


Oct. 15, 1863. 


Townsend, . . . . 


Townsend, . 


Sept. 21, 1864. 


Traders', 


Boston, 


Dec. 7, " 


Union, 


Haverhill, . 


May 25, " 


Union Bank of Weymouth and 






Braintree, .... 


Weymouth, . 


May 17, " 


Wamesit, . . . . 


Lowell, 


Dec. 12, " 


Wareham, 


Wareham, . 


June 1, " 


Warren, 


South Danvers, . 


April 6, " 


Worcester, . . . . . . 


Worcester, . 


April 19, " 


Worcester County, 


Blackstone, . 


Sept. 21, " 



The general condition of the banks named in the foregoing 
list, at the time of examination, will appear in the following 
Abstracts : — 



6 



BANK COMMISSIONERS' REPORT. 



[Jan. 



MONUMENT BANK— CHARLESTOWN. 

[October 6, 1863.] 

Peter Hubbell, President. Cashier, George L. Foote. 



Capital, 


$150,000 00 


Loan,* 


$362,437 47 


Circulation, 


140,779 00 


Real Estate, 


7,500 00 


Deposits, . 


137,916 98 


For. Bills and Checks, 


4,048 29 


Bank Balances, . 


462 40 


Bank Balances, 


42,404 94 


Profits on hand, . 


6,126 29 


Specie, 

Immediate Resources, 


18,893 97 




$435,284 67 


$435,284 67 


Immediate Liabilities, . 


$279,158 38 


$65,347 20 



Overdue or Suspended Paper, $725.55. No loss anticipated. 



Stock owned bv Directors, 

Amount of Directors' Liabilities, .... 
Largest indebtedness of any one individual or company, 
Highest Loan at any one time during the past year, . 
Annual Expenses, about 



336 shares. 

$34,526 00 

33,000 00 

384,024 07 

4,500 00 



* Including $147,000 U. S. Loan. 



BRISTOL COUNTY BANK— TAUNTON. 

[October 14, 1863.] 

Theodore Dean, President. Cashier, William Brewster. 



Capital, 


$500,000 00 


Loan,* 


$1,021,701 23 


Circulation, 


402,059 00 


Real Estate, 


10,000 00 


Deposits, . 


149,976 60 


For. Bills and Checks, 


2,304 80 


Bank Balances, . 


874 38 


Bank Balances, 


54,228 05 


Profits on hand, . 


50,559 99 


Specie, 

Immediate Resources, 


15,235 89 




$1,103,469 97 


$1,103,469 97 


Immediate Liabilities, . 


$552,909 98 


$71,768 74 



Overdue or Suspended Paper, None. 

Stock owned by Directors, 

Amount of Directors' Liabilities, .... 
Largest indebtedness of any one individual or company, 
Highest Loan at any one time during the past year, . 
Expenses for the last year, 



432 shares. 

$53,442 98 

110,000 00 

1,150,668 42 

5,570 28 



* Including $210,700 U. S. Loan. 



1865.] 



PUBLIC DOCUMENT— No. 8. 



MACHINISTS' BANK— TAUNTON. 

[October 14, 1863.] 

Marcus Morton, President Cashier, C. R. Vickery. 



Capital, 


1200,000 00 


Loan, 


$485,173 77 


Circulation, 


205,666 00 


Real Estate, 


— — 


Deposits, 


178,519 67 


For. Bills and Checks, 


52,451 92 


Bank Balances, . 


— — 


Bank Balances, 


62,354 60 


Profits on hand, . 


24,936 01 


Specie, 

Immediate Resources, 


9,141 39 




1609,121 68 


$609,121 68 


Immediate Liabilities, . 


8384,185 67 


$123,947 91 



Overdue or Suspended Paper, $25,902.47. Probable loss, about $10,000. 



Stock owned by Directors, 

Amount of Directors' Liabilities, .... 
Largest indebtedness of any one individual or company, 
Highest Loan at any one time during the past year, . 
Annual Expenses, about 



166 shares. 

$24,200 00 

32,640 49 

485,173 77 

3,300 00 



TAUNTON BANK— TAUNTON. 

[October 15, 1863.] 

Lovett Morse, President. Cashier, C. J. H. Bassett. 



Capital, 


$400,000 00 


Loan,* 


$1,002,955 25 


Circulation, 


379,334 00 


Real Estate, 


11,000 00 


Deposits, . 


251,778 76 


For. Bills and Checks, 


10,598 79 


Bank Balances, . 


3,838 43 


Bank Balances, 


89,425 48 


Profits on hand, . 


94,657 19 


Specie, 

Immediate Resources, 


15,628 86 




$1,129,608 38 


$1,129,608 38 


Immediate Liabilities, . 


$634,951 19 


$115,653 13 



Stock owned by Directors, 297 shares. 

Amount of Directors' Liabilities, $850 00 

Largest indebtedness of any one individual or company, . . 117,099 52 
Highest Loan at any one time during the past year, . . . 1,014,065 94 
Annual Expenses, about 6,000 00 



* Including $214,000 U. S. Loan. 



8 



BANK COMMISSIONERS' REPORT. 



[Jan. 



OXFORD BANK— OXFORD.* 

[October 20, 1863.] 

Emory Sanford, President. CasMer, Wilson Olney. 



Capital, . 


$100,000 00 


Loan, 


$173,932 56 


Circulation, 


107,928 00 


Real Estate, 


3,700 00 


Deposits, . 


19,260 91 


For. Bills and Checks, 


10,253 24 


Bank Balances, . 


1,242 00 


Bank Balances, 


40,116 71 


Profits on hand, . 


5,226 77 


Specie, 

Immediate Resources, 


5,655 17 




$233,657 68 


$233,657 68 


Immediate Liabilities, . 


$128,430 91 


$56,025 12 



Overdue or Suspended Paper, $2,738.30. Probable loss, not over 25 per ct. 

110 shares. 

$15,535 86 

36,500 00 

186,051 72 

1,200 00 



Stock owned by Directors, 

Amount of Directors' Liabilities, .... 
Largest indebtedness of any one individual or company, 
Highest Loan at any one time during the past year, . 
Annual Expenses, about 



RAILROAD BANK— LOWELL. 

[November 10, 1863.] 

Samuel W. Stickney, President. Cashier, John F. Rogers. 



Capital, 


$600,000 00 


Loan,* 


$966,950 34 


Circulation, 


353,707 00 


Real Estate, 


— — 


Deposits, . 


63,188 10 


For. Bills and Checks, 


15,591 68 


Bank Balances, . 


773 13 


Bank Balances, 


122,708 59 


Profits on hand, . 


113,086 09 


Specie, . ... 
Immediate Resources, 


25,503 71 




$1,130,754 32 


$1,130,754 32 


Immediate Liabilities, . 


$417,668 23 


$163,803 98 



Overdue or Suspended Paper, None. 

Stock owned by Directors, 

Amount of Directors' Liabilities, .... 
Largest indebtedness of any one individual or company, 
Highest Loan at any one time during the past year, . 
Annual Expenses, about 



340 shares. 

$45,505 00 

61,651 00 

1,117,402 55 

5,000 00 



* Including $535,000 U. S. Loan. 



1865.] 



PUBLIC DOCUMENT— No. 8. 



9 



FREEMAN'S BANK— BOSTON. 

[November 12, 1863.] 

Solomon Piper, President. Cashier, Jeremy Drake. 



Capital, 


$400,000 00 


Loan,* 


$1,037,851 10 


Circulation, 


284,600 00 


Fixtures, . 


2,000 00 


Deposits, 


362,760 90 


For. Bills and Checks, 


55,779 84 


Bank Balances, . 


118,673 92 


Bank Balances, 


6,198 22 


Profits on hand, . 


35,494 86 


Specie, 

Immediate Resources, 


99,700 52 




11,201,529 68 


$1,201,529 68 


Immediate Liabilities, . 


$766,034 82 


$161,678 58 



Overdue or Suspended Paper, $5,823.91. No loss anticipated. 



Stock owned by Directors, ..... 
Ajnount of Directors' Liabilities, .... 
Largest indebtedness of any one individual or company, 
Highest Loan at any one time during the past year, . 
Annual Expenses, about 



253 shares. 

$39,781 73 

39,130 63 

1,086,856 82 

6,000 00 



* Including $574,154.22 U. S. Loan. 



BANK OF MUTUAL REDEMPTION— BOSTON. 

[November 17, 1863.] 

William D. Forbes, President. Cashier, Edward A. Presbrey. 



Capital, 


$561,700 00 


Loan,* 


$1,733,314 93 


Circulation, 


60,050 00 


Real Estate, 


— — 


Deposits, 


80,324 18 


For. Bills and Checks, 


684,677 51 


Bank Balances, . 


1,949,332 97 


Bank Balances, 


195,560 97 


Profits on hand, . 


61,554 21 


Specie, 

Immediate Resources, 


100,007 95 




$2,713,561 36 


$2,713,561 36 


Immediate Liabilities, . 


$2,090,307 15 


$980,246 43 



Overdue or Suspended Paper, None. 

Stock owned by Directors,! 

Amount of Directors' Liabilities, .... 
Largest indebtedness of any one individual or company, 
Highest Loan at any one time during the past year, . 
Annual Expenses, 



$18,514 25 

60,000 00 

3,108,569 00 

39,150 00 



* Including $1,160,750 U. S. Loan. 



f The stock is owned by banks only. 



10 



BANK COMMISSIONERS' REPORT. 



[Jan. 



COLUMBIAN BANK— BOSTON. 

[November 18, 1863.] 

John T. Coolidge, President. Cashier, Albert Drake. 



Capital, 


$1,000,000 00 


Loan,* 


$1,526,682 93 


Circulation, 


119,890 00 


Real Estate, 


— — 


Deposits, 


796,367 79 


For. Bills and Checks, 


187,458 00 


Bank Balances, . 


_ _ 


Bank Balances, 


41,533 41 


Profits on hand, . 


106,195 62 


Specie, 

Immediate Resources, 


266,779 07 




$2,022,453 41 


$2,022,453 41 


Immediate Liabilities, . 


$916,257 79 


$495,770 48 



Overdue or Suspended Paper, $16,362.76 No loss anticipated. 
Stock owned by Directors, 101 shares. 



Amount of Directors' Liabilities, .... 
Largest indebtedness of any one individual or company, 
Highest Loan at any one time during the past year, . 
Annual Expenses, about ...... 



$43,209 66 

99,000 00 

1,948,000 00 

13,000 00 



* Including $803,852.88 U. S. Loan. 



BANK OF NORTH AMERICA— BOSTON. 

[Jannary 5, 1864.] 

R. W. Shapleigh, President, Cashier, John K. Hall. 



Capital, 


$750,000 00 


Loan,* 


$1,431,648 44 


Circulation, 


204,814 00 


Real Estate, 


_ _ 


Deposits, 


526,863 09 


For. Bills and Checks, 


121,407 98 


Bank Balances, . 


130,017 67 


Bank Balances, 


10,897 65 


Profits on hand, . 


73,208 14 


Specie, 

Immediate Resources, 


120,948 83 


- 


$1,684,902 90 


$1,684,902 90 


Immediate Liabilities, . 


$861,694 76 


$243,254 46 



Overdue or Suspended Paper, $43,942.72. Probable loss, about $30,000. 
Stock owned by Directors, 206 shares. 



Amount of Directors' Liabilities, 

Largest indebtedness of any one individual or company, . 
Highest Loan at any one time during the past year, 
Annual Expenses, about ....... 



$70,016 00 

70,000 00 

1,503,354 44 

12,000 00 



* Including $469,750 U..S. Loan. 



1865.] 



PUBLIC DOCUMENT— No. 8. 



11 



GRANITE BANK— BOSTON. 

[January 12, 1864.] 

James H. Beal, President. CasJder, Andrew J. Loud. 



Capital, . . . 


$900,000 00 


Loan,* 


$2,308,672 61 


Circulation, 


203,010 00 


Real Estate, 


— — 


Deposits, . 


1,952,510 66 


For. Bills and Checks, 


762,499 00 


Bank Balances, . 


115,818 30 


Bank Balances, 


76,448 24 


Profits on hand, . 


119,378 07 


Specie, 


138,097 18 






Bank ofMut. Red., . 
Immediate Resources, 


5,000 00 




$3,290,717 03 


$3,290,717 03 


Immediate Liabilities, . 


$2,271,338 96 


$977,044 42 



Overdue or Suspended Paper, None. 
Stock owned by Directors, . . 
Amount of Directors' Liabilities, .... 
Largest indebtedness of any one individual or company, 
Highest Loan at any one time during the past year, . 
Annual Expenses, about 



423 shares. 

$83,700 00 

149,496 00 

2,576,042 27 

14,000 00 



* Including about $750,000 U. S. Loan. 



HOWARD BANK— BOSTON. 

[January 14, 1864.] 

Reuben E. Demmoist, President. Cashier, George E. Hersey. 



Capital, 


$500,000 00 


Loan,* 


$1,161,687 68 


Circulation, 


289,366 00 


Real Estate, 


_ _ 


Deposits, 


438,116 28 


For. Bills and Checks, 


68,896 53 


Bank Balances, . 


67,691 44 


Bank Balances, 


19,581 70 


Profits on hand, . 


40,854 58 


Specie, 

Immediate Resources, 


85,862 39 




$1,336,028 30 


$1,336,028 30 


Immediate Liabilities, . 


$795,173 72 


$174,340 62 



Overdue or Suspended Paper, None. 

Stock owned by Directors, 

Amount of Directors' Liabilities, ..... 
Largest indebtedness of any one individual or company, . 
Highest Loan at any one time during the past year, nearly 
Annual Expenses, about 



92 shares. 
$110,923 00 

36,688 00 

1,200,000 00 

9,000 00 



* Including -1435,270 U. S. Loan. 



12 



BANK COMMISSIONERS' REPORT. 



[Jan. 



SHOE AND LEATHER DEALERS' BANK— BOSTON. 

[January 19, 1864.] 

Caleb Stetson. President. Cashier, Samuel Carr. 



Capital, 


$1,000,000 00 


Loan,* 


$1,989,886 59 


Circulation, 


397,454 00 


Real Estate, 


70,000 00 


Deposits, . 


669,134 14 


For. Bills and Checks, 


212,692 10 


Bank Balances, . 


446,829 88 


Bank Balances, 


163,114 95 


, Profits on hand, . 


192,061 23 


Specie, 


204,363 26 






U. S. Currency, 
Immediate Resources, 


65,422 35 




$2,705,479 25 


$2,705,479 25 


Immediate Liabilities, . 


$1,513,418 02 


$645,592 66 



Stock owned by Directors, 
Amount of Directors' Liabilities, .... 
Largest indebtedness of any one individual or company, 
Highest Loan at any one time during the past year, . 
Annual Expenses, about . . . . . 



1,015 shares. 
$50,171 00 

95,860 00 
2,534,346 54 

15,000 00 



* Including $354,000 U. S. Loan. 



MARKET BANK— BOSTON. 

[January 21, 1864.] 

Charles O. Whitmore, President. Cashier, Jonathan Brown, Jr. 



Capital, 


$560,000 00 


Loan,* 


$1,088,857 31 


Circulation, 


120,368 00 


Real Estate, 


. — — 


Deposits, 


493,017 88 


For. Bills and Checks, 


118,884 54 


Bank Balances, . 


55,248 16 


Bank Balances, 


37,000 00 


Profits on hand, . 


116,486 90 


Specie, 


95,379 09 






Bank of Mut. Red., . 
Immediate Resources, 


5,000 00 




$1,345,120 94 


$1,345,120 94 


Immediate Liabilities, . 


$668,634 04 


$250,263 63 



Overdue or Suspended Paper, $1,260. Probable loss, Nothing. 

Stock owned by Directors, 338 shares. 

$63,017 00 

64,256 00 

1,296,343 21 

12,000 00 



Amount of Directors' Liabilities, .... 
Largest indebtedness of any one individual or company, 
Highest Loan at any one time during the past year, . 
Annual Expenses, about ...... 



* Including $170,000 U. S. Loan. 



1865.] 



PUBLIC DOCUMENT— No. 8. 



13 



MAVERICK BANK— BOSTON. 

[January 27, 1864.] 

Samuel Hall, President. Cashier, Samuel Phillips, Jr. 



Capital, 


$400,000 00 


Loan,* . . . 


$708,075 38 


Circulation, 


133,201 00 


For. Bills and Ch'ks,f 


67,997 30 


Deposits, 


272,122 96 


Bank Balances, 


2,586 64 


Bank Balances, . 


12,461 27 


Specie, 


59,756 26 


Profits on hand, . % 


25,630 35 


Bank of Mut. Red., . 
Immediate Resources, 


5,000 00 




$843,415 58 


$843,415 58 


Immediate Liabilities, . 


$417,785 23 


$130,340 20 



Overdue or Suspended Paper, $3,118.63. Probable loss, say, 50 per cent. 
Stock owned by Directors, 173 shares. 



Amount of Directors' Liabilities, .... 
Largest indebtedness of any one individual or company, 
Highest Loan at any one time during the past year, . 
Annual Expenses, 



$127,000 00 

51,285 00 

790,000 00 

8,000 00 



* Including $93,500 U. S. Loan. 



t Including $26,742.34 U. S. Currency. 



ATLAS BANK— BOSTON. 

[February 8, 1864.] 



M. Day Kimball, President 



Cashier, Joseph White. 



Capital, 


$1,000,000 00 


Loan,* 


$1,661,424 68 


Circulation, 


288,276 00 


Real Estate, . 


— — 


Deposits, . . 


774,070 67 


For. Bills and Checks, 


327,043 80 


Bank Balances, . 


6,606 70 


Bank Balances, 


12,934 02 


Profits on hand, . 


82,043 39 


Specie, 

Immediate Resources, 


149,594 26 




$2,150,996 76 


$2,150,996 76 


Immediate Liabilities, . 


$1,068,953 37 


$489,572 08 



Overdue or Suspended Paper, $42,809.22. Probable loss, $2,000. 



Stock owned by Directors, 

Amount of Directors' Liabilities, .... 
Largest indebtedness of any one individual or company, 
Highest Loan at any one time during the past year, . 
Annual Expenses, about 



192 shares. 

$35,286 57 

40,000 00 

2,161,800 78 

13,000 00 



* Including $748,700 U. S. Loan. 



14 



BANK COMMISSIONERS' REPORT. 



[Jan. 



MERCHANTS' BANK— BOSTON. 

[February 9, 1864.]* 

Franklin Haven, President. Cashier, John K. Fuller. 



Capital, 


$4,000,000 00 


Loan,f 


$6,770,030 54 


Circulation, 


543,005 00 


Real Estate, 


400,000 00 


Deposits, . 


2,886,607 05 


For. Bills and Checks, 


860,486 69 


Bank Balances, . 


817,210 06 


Bank Balances, 


15,058 84 


Profits on hand, . 


299,421 96 


Specie, . 
Immediate Resources, 


500,668 00 




$8,546,244 07 

• 


$8,546,244 07 


Immediate Liabilities, . 


$4,246,822 11 | 
1 


$1,376,213 53 



Overdue or Suspended Paper, $2,500. Probable loss, Nothing. 
Stock owned by Directors, 1,078 shares. 



Amount of Directors' Liabilities, .... 
Largest indebtedness of any one individual or company, 
Highest Loan at any one time during the past } r ear, . 
Annual Expenses, about ...... 



. $133,183 00 

Not stated. 

$7,584,825 32 

40,000 00 



* This examination was preparatory to the reduction of the capital stock of the bank to 
$3,000,000, in accordance with chapter 228, Acts of 1863. 

t Including $2,300,000 Public Securities. 



FANEUIL HALL BANK— BOSTON. 

[February 15, 1864.] 

Nathan Robbins, President. Cashier, Edward L. Tead. 



Capital, 


$500,000 00 


Loan,* 


$1,256,627 81 


Circulation, 


342,698 00 


Real Estate, 


60,000 00 


Deposits, 


638,464 76 


For. Bills and Checks, 


105,416 77 


Bank Balances, . 


21,014 40 


Bank Balances, 


10,731 52 


Profits on hand, . 


123,913 94 


Specie, 

Immediate Resources, 


193,315 00 




$1,626,09110 


$1,626,091 10 


Immediate Liabilities, . 


$1,002,177 16 


$309,463 29 



Overdue or Suspended Paper, $1,000. Probable loss, Nothing. 



Stock owned by Directors, 

Amount of Directors' Liabilities, .... 
Largest indebtedness of any one individual or company, 
Highest Loan at any one time during the past year, . 
Annual Expenses, , 



441 shares. 

$131,597 00 

40,000 00 

1,437,959 68 

8,000 00 



* Including $301,150 U. S. Loan. 



1865.] 



PUBLIC DOCUMENT— No. 8. 



15 



NATIONAL BANK— BOSTON. 

[February 23, 1864.] 

Lyman Nichols, President. Cashier, Charles B. Hall. 



Capital, 


$750,000 00 


Loan,* 


$1,212,387 54 


Circulation, 


119,233 00 


Real Estate, 


— — 


Deposits, . 


428,710 38 


For. Bills and Checks, 


86,338 56 


Bank Balances, . 


61,288 87 


Bank Balances, 


3,534 86 


Profits on hand, . 


26,017 30 


Specie, . . 
Immediate Resources, 


82,988 59 




$1,385,249 55 


$1,385,249 55 


Immediate Liabilities, . 


$609,232 25 


$172,862 01 



Overdue or Suspended Paper, None. 

Stock owned by Directors, 

Amount of Directors' Liabilities, . . 
Largest indebtedness of any one individual or company, 
Highest Loan at any one time during the past year, . 
Annual Expenses, about 



386 shares. 

$86,248 00 

52,000 00 

1,311,067 84 

9,000 00 



* Including $472,500 U. S. Loan. 



BLACKSTONE BANK— BOSTON. 

[March 1, 1864.] 

Frederick Gould, President. Cashier, Joshua Loring. 



Capital, 


$750,000 00 


Loan,* 


$1,968,099 29 


Circulation, 


453,865 00 


Real Estate, 


1,858 79 


Deposits, . 


1,245,621 91 


For. Bills and Checks, 


511,137 65 


Bank Balances, . 


54,359 87 


Bank Balances, 


27,090 01 


Profits on hand, . 


146,275 05 


Specie, . . 
Immediate Resources, 


141,936 09 




$2,650,121 83 


$2,650,121 83 


Immediate Liabilities, . 


$1,753,846 78 


$680,163 75 



Overdue or Suspended Paper, None. 
Stock owned by Directors, ..... 
Amount of Directors' Liabilities, .... 
Largest indebtedness of any one individual or company, 
Highest Loan at any one time during the past year, . 
Annual Expenses, about 



504 shares. 

$93,095 00 

77,575 00 

1,968,099 29 

13,500 00 



* Including $811,000 U. S. Loan. 



16 



BANK COMMISSIONERS' REPORT. 



[Jan. 



EEVERE BANK— BOSTON. 

[March 3, 1864.] 

Samuel H. Walley, President. Cashier, J. W. Lefavour. 



Capital, 


$1,000,000 00 


Loan,* 


$2,728,047 04 


Circulation, 


245,843 00 


Real Estate, 


- - 


Deposits, 


2,294,297 82 


For. Bills and Checks, 


583,515 00 


Bank Balances, . 


56,102 52 


Bank Balances, 


177,217 34 


Profits on hand, . 


102,293 56 


Specie, 

Immediate Resources, 


209,757 52 




$3,698,536 90 


$3,698,536 90 


Immediate Liabilities, . 


$2,596,243 34 


$970,489 86 



Overdue or Suspended Paper, None. 
Stock owned by Directors, 

Amount of Directors' Liabilities, .... 
Largest indebtedness of any one individual or company, 
Highest Loan at any one time during the past year, . 
Annual Expenses, about 



245 shares. 
$114,609 21 

125,000 00 

2,765,363 85 

17,000 00 



* Including $670,100 U. S. Loan. 

ELIOT BANK— BOSTON. 

[March- 8, 1864.] 



John Demeritt, President. 



Cashier, Robert L. Day. 



Capital, 


$600,000 00 


Loan,* 


$1,247,698 09 


Circulation, 


146,461 00 


Real Estate, 


— — 


Deposits, 


578,015 46 


For. Bills and Checks, 


122,005 41 


Bank Balances, . 


109,753 07 


Bank Balances, 


32,817 15 


Profits on hand, . 


69,346 74 


Specie, 


96,055 62 






Bank of Mut. Red., . 
Immediate Resources, 


5,000 00 




$1,503,576 27 


$1,503,576 27 


Immediate Liabilities, . 


$834,229 53 


$250,878 18 



Overdue or Suspended Paper, None. 
Stock owned by Directors, , . 
Amount of Directors' Liabilities, . . . 
Largest indebtedness of any one individual or company, 
Highest Loan at any one time during the past year, . 



145 shares. 

$140,370 32 

95,000 00 

1,294,529 00 



Annual Expenses, about 10,000 00 



* Including $144,000 U. S. Loan. 



1865.] 



PUBLIC DOCUMENT— No. 8. 



17 



EAGLE BANK— BOSTON. 

[March 15, 1864.] 



Waldo Flint, President. 



Cashier, Robert S. Covell. 



Capital, 


$1,000,000 00 


Loan,* 


$1,869,995 34 


Circulation, 


23,159 00 


Real Estate, 


— — 


Deposits, . 


1,146,576 79 


For. Bills and Checks, 


148,137 00 


Bank Balances, . 


16,157 24 


Bank Balances, 


15,642 86 


Profits on hand, . 


147,980 70 


Specie, 

Immediate Resources, 


300,098 53 




$2,333,873 73 


$2,333,873 73 


Immediate Liabilities, . 


$1,185,893 03 


$786,102 39 



Overdue or Suspended Paper, None. 

Stock owned by Directors, 

Amount of Directors' Liabilities, . 

Largest indebtedness of any one individual or company, 

Highest Loan at any one time during the past year, . 



225 shares. 

$155,471 00 

64,838 00 

1,977,285 27 



Annual Expenses, about . 



513,000 or $14,000 00 



* Including $322,224 U. S. Loan. 



MERCANTILE BANK— SALEM. 

[March 23, 1864.] 

John Dwyer, President. Cashier, Joseph H. Phippen. 



Capital, 


$200,000 00 


Loan, 


$313,620 61 


Circulation, 


73,146 00 


Real Estate, 


5,000 00 


Deposits, 


55,096 12 


For. Bills and Checks, 


2,491 00 


Bank Balances, . 


950 03 


Bank Balances, 


13,930 25 


Profits on hand, . 


12,787 85 


Specie, 

Immediate Resources, 


6,938 14 




$341,980 00 


$341,980 00 


Immediate Liabilities, . 


$129,192 15 


$23,359 39 



Overdue or Suspended Paper, $7,222.59. Probable loss, $3,222.59. 
Stock owned by Directors, 48 shares. 



Amount of Directors' Liabilities, .... 
Largest indebtedness of any one individual or company, 
Highest Loan at any one time during the past year,* 
Annual Expenses, 



$17,095 00 

22,574 00 

326,091 62 

2,500 00 



* Including $150,000 Government Loan. 



18 



BANK COMMISSIONERS' REPORT. 



[Jan. 



LYNN MECHANICS' BANK— LYNN. 

[March 25, 1864.] 
Micajah C. Pratt, President. Cashier, William Bassett. 



Capital, 


i 
$250,000 00 


Loan, 


7 

$533,782 12 


Circulation, 


220,878 00 


Real Estate, 


12,858 25 


Deposits, . 


166,227 18 


For. Bills and Checks, 


19,946 00 


Bank Balances, . 


32,692 68 


Bank Balances, 


136,255 15 


Profits on band, . 


49,497 85 


Specie, 

Immediate Resources, 


16,454 19 




$719,295 71 


$719,295 71 


Immediate Liabilities, . 


$419,797 86 


$172,655 34 



Overdue or Suspended Paper, $5,406.25. Probable loss 
Stock owned by Directors, . ... 
Amount of Directors' Liabilities, .... 
Largest indebtedness of any one individual or company, 
Highest Loan at any one time during the past year,* 
Annual Expenses, about ...... 



$5,000. 

187 shares. 

$133,032 00 

27,882 00 

575,446 76 

3,500 00 



* Including $125,050 Government Loan. 



ASIATIC BANK— SALEM. 

[March 29, 1864.] 

Leonard B. Harrington, President. Cashier, William H. Foster. 



Capital, 


$315,000 00 


Loan, 


$583,268 77 


Circulation, 


136,276 00 


Real Estate, 


35,000 00 


Deposits, 


252,233 89 


For. Bills and Checks, 


21,966 49 


Bank Balances, . 


33,053 45 


Bank Balances, 


102,712 01 


Profits on hand, . 


20,328 93 


Specie, 

Immediate Resources, 


13,945 00 




$756,892 27 


$756,892 27 


Immediate Liabilities, . 


$421,563 34 


$138,623 50 



Overdue or Suspended Paper, $30,147.62. Probable loss 
Stock owned by Directors, ..... 

Amount of Directors' Liabilities, .... 
Largest indebtedness of any one individual or company, 
Highest Loan at any one time during the past year,* 
Annual Expenses, about ...... 



$15,000. 

338 shares. 

$2,750 00 

25,000 00 

700,805 00 

4,000 00 



* Including about §250,000 Government Loan. 



1865.] 



PUBLIC DOCUMENT— No. 8. 



19 



NAUMKEAG BANK— SALEM. 

[March 30, 1864.] 

E. D. Kimball, President. Cashier, Joseph H. Towne. 



Capital, 


1500,000 00 


Loan, 


$1,018,364 33 


Circulation, 


212,676 00 


Stocks, 


675 00 


Deposits, 


379,870 69 


For. Bills and Checks, 


14,648 00 


Bank Balances, . 


1,248 58 


Bank Balances, 


103,583 25 


Profits on hand, . 


71,041 18 


Specie, 

Immediate Resources, 


27,565 87 




11,164,836 45 


$1,164,836 45 


Immediate Liabilities, . 


$593,795 27 


$145,797 12 



Overdue or Suspended Paper, $24,915.49. Probable loss, Not stated. 



Stock owned by Directors, 

Amount of Directors' Liabilities, .... 
Largest indebtedness of any one individual or company, 
Highest Loan at any one time during the past year,* 
Annual Expenses, about 



371- shares. 

$61,657 97 

34,896 68 

1,037,864 82 

5,000 00 



* Including about $700,000 Government Loan.. 



WARREN BANK— SOUTH DANVERS. 

[April 6, 1864.] 

Lewis Allen, President Cashier, Francis Baker. 



Capital, 


$250,000 00 


Loan, 


$459,053 25 


Circulation, 


156,952 50 


Real Estate, 


6,000 00 


Deposits, , . 


80,061 90 


For. Bills and Checks, 


10,910 95 


Bank Balances, . 


1,234 55 


Bank Balances, 


17,253 97 


Profits on hand, . 


23,293 67 


Specie, 


13,324 45 






Bank of Mut. Red., . 
Immediate Resources, 


5,000 00 




$511,542 62 


$511,542 62 


Immediate Liabilities, . 


$238,248 95 


$41,489 37 



Overdue or Suspended Paper, $2,000. Probable loss, Nothing. 



Stock owned by Directors, 

Amount of Directors' Liabilities, .... 
Largest indebtedness of any one individual or company, 
Highest Loan at any one time during the past year,* 
Annual Expenses, about ...... 



278 shares. 

$60,303 20 

Not stated. 

$466,268 37 

2,600 00 



* Including $194,537.01 Government Loan. 



20 



BANK COMMISSIONERS' REPORT. 



[Jan. 



NEPONSET BANK— CANTON. 

[April 8, 1864.] 

Charles H. French, President. Cashier, Francis TV. Deane. 



Capital, 


$100,000 00 


Loan, 


$258,922 91 


Circulation, 


104,847 00 


Real Estate, 


— — 


Deposits, 


68,391 39 


For. Bills and Checks, 


8,229 93 


Bank Balances, . 


135 62 


Bank Balances, 


26,813 22 


Profits on hand, . 


24,487 19 


Specie, 

Immediate Resources, 


3,895 14 




$297,861 20 i 


$297,861 20 


Immediate Liabilities, . 


$173,374 01 


$38,938 29 



Overdue or Suspended Paper, $5,248.27. No loss anticipated 

Stock owned by Directors, 

Amount of Directors' Liabilities, .... 
Largest indebtedness of any one individual or company, 
Highest Loan at any one time during the past year,* 
Annual Expenses, ....... 



248 shares. 

$37,205 68 

22,009 00 

260,449 29 

1,800 00 



* Including $60,000 Government Loan. 



PRESCOTT BANK— LOWELL. 

[April 13, 1864.] 



Joel Adams, President. 



Cashier, A. S. Tyler. 



Capital, 


$200,000 00 


Loan, 


$473,736 19 


Circulation, 


194,905 00 


Real Estate, 


' — — 


Deposits, 


134,278 51 


For. Bills and Checks, 


10,292 60 


Bank Balances, . 


336 78 


Bank Balances, 


73,657 83 


Profits on hand, . 


35,892 39 


Specie, 

Immediate Resources, 


7,726 06 




$565,412 68 


$565,412 68 


Immediate Liabilities, . 


$329,520 29 


$91,676 49 



Overdue or Suspended Paper, $20. Probable loss, Nothing. 
Stock owned by Directors, 281 shares. 



Amount of Directors' Liabilities, .... 
Largest indebtedness of any one individual or company, 
Highest Loan at any one time during the past year* 
Annual Expenses, about ...... 



$31,182 86 

50,000 00 

485,638 62 

3,000 00 



* Including $177,300 Government Loan. 



1865.] 



PUBLIC DOCUMENT— No. 8. 



21 



APPLETON BANK— LOWELL. 

[April 13, 1864.] 

John A. Knowles, President. Cashier, John F. Kimball. 



Capital, 


1200,000 00 


Loan, 


1492,354 21 


Circulation, 


218,818 00 

* 


! Real Estate, 


25,781 57 


Deposits, 


163,446 84 


; For. Bills and Checks, 


27,813 09 


Bank Balances, . 


1,661 56 


Bank Balances, 


46,616 16 


Profits on hand, . 


23,335 49 


Specie, 


9,696 86 






Bank of Mut. Red., . 
Immediate Resources, 


5,000 00 




8607,261 89 


8607,261 89 


Immediate Liabilities, . 


$383,926 40 


§84,126 11 



Overdue or Suspended Paper, None. 

Stock owned by Directors, 

Amount of Directors' Liabilities, . 
Largest indebtedness of any one individual or company, 
Highest Loan at any one time during the past year,* 
Annual Expenses, about 



150 shares. 

841,545 00 

66,086 00 

502,000 00 

3,000 00 



* Including §170,800 Government Loan. 



LOWELL BANK— LOWELL. 

[April 14, 1864.] 

Joshua Bennett, President. Cashier, Charles M. Williams. 



Capital, 


$200,000 00 


Loan,* 


8338,111 66 


Circulation, 


102,861 00 


Real Estate, 


— — 


Deposits, 


59,267 78 


For. Bills and Checks, 


1,139 58 


Bank Balances, . 


447 47 


Bank Balances, 


42,276 25 


Profits on hand, . 


24,943 58 

7 


Specie, 


2,992 34 






Bank of Mut. Red., . 
Immediate Resources, 


3,000 00 




$387,519 83 


$387,519 83 


Immediate Liabilities, . 


§162,576 25 ' 


\ §46,408 17 



Overdue or Suspended Paper, §2,050. Probable loss, Nothing. 
Stock owned by Directors, 154 shares. 



Amount of Directors' Liabilities, .... 
Largest indebtedness of any one individual or company, 
Highest Loan at any one time during the past year, . 
Annual Expenses, about ...... 



§19,578 68 

50,000 00 

398,202 79 

2,100 00 



* Including $55,000 U. S. Loan. 



22 



BANK COMMISSIONERS' REPORT. 



[Jan. 



MECHANICS' BANK— WORCESTER. 

[April 19, 1864.] 

Harrison Bliss, President. Cashier, Scotto Berrt. 



Capital, 


$350,000 00 


Loan, 


$755,548 78 


Circulation, 


212,005 00 


Real Estate, 


_ 


Deposits, . 


178,234 62 


For. Bills and Checks, 


11,748 30 


Bank Balances, . 


30,696 96 


Bank Balances, 


32,000 00 


Profits on hand, . 


50,478 65 


Specie, 


16,118 15 


• 




Bank of Mut. Red., . 
Immediate Resources, 


6,000 00 




$821,415 23 


$821,415 23 


Immediate Liabilities, . 


$120,936 58 


$59,866 45 



Overdue or Suspended Paper, $4,178.50. Probable loss, Very small, if any. 

254 shares. 

$28,105 95 

63,155 92 

755,548 78 

6,000 00 



Stock owned by Directors, ..... 

Amount of Directors' Liabilities, .... 
Largest indebtedness of any one individual or company, 
Highest Loan at any one time during the past year,* 
Annual Expenses, ....... 



* Including $148,000 Government Loan. 



CENTRAL BANK— WORCESTER. 

[April 19, 1864.] 

John C. Mason, President. Cashier, H. A. Marsh. 



Capital, 


$250,000 00 


Loan, . . . 


$561,649 00 


Circulation, 


195,792 00 


Real Estate, 


— — 


Deposits, . 


181,758 86 


For. Bills and Checks, 


24,945 03 


Bank Balances, . 


6,158 45 


Bank Balances, 


56,851 68 


* Profits on hand, . 


22,506 57 


Specie, 

Immediate Resources, 


12,770 17 




$656,215 88 


$656,215 88 


Immediate Liabilities, . 


$383,709 31 


$94,566 88 



Stock owned by Directors, 
Amount of Directors' Liabilities, .... 
Largest indebtedness of any one individual or company, 
Highest Loan at any one time during the past year,* 
Annual Expenses, ....... 



41 shares. 
$90,080 65 

55,689 45 

588,599 55 

4,500 00 



* Including $300,000 Government Loan. 



1865.] 



PUBLIC DOCUMENT— No. 8. 



23 



WORCESTER BANK— WORCESTER. 

[April 19, 1864.] 

Stephen Salisbury, President. Cashier, William Cross. 



Capital, 


$300,000 00. 


Loan, 


$716,537 85 


Circulation, 


227,074 00 


Real Estate, 


25,000 00 


Deposits, 


246,112 41 


For. Bills and Checks, 


13,060 31 


Bank Balances, . 


5,757 86 


Bank Balances, 


73,700 75 


Profits on hand, . 


79,964 68 


Specie, 

Immediate Resources, 


30,610 04 




$858,908 95 


$858,908 95 


Immediate Liabilities, . 


$478,944 27 


$117,371 10 



Overdue or Suspended Paper, None. 
Stock owned by Directors, 
Amount of Directors' Liabilities, .... 
Largest indebtedness of any one individual or company, 
Highest Loan at any one time during the past year,* 
Annual Expenses, about ...... 



620 shares 
$7,000 00 
66,140 00 

723,963 53 
7,050 00 



* Including $200,000 Government Loan. 



FRAM1NGHAM BANK— FRAMINGHAM. 

[April 20, 1864.] 

Moses Edgell, President. Cashier, Francis T. Clark. 



Capital, 


$200,000 00 


Loan, 


$435,279 10 


Circulation, 


178,161 00 


Real Estate, 


3,000 00 


Deposits, 


45,959 39 ' 


For. Bills and Checks, 


§,967 09 


Bank Balances, . 


6,001 74 


Bank Balances, 


6,259 11 


Profits on hand, . 


29,480 17 


Specie, 

Immediate Resources, 


8,097 00 




$459,602 30 


$459,602 30 


Immediate Liabilities, . 


$230,122 13 


• $21,323 20 



Overdue or Suspended Paper, None. 
Stock owned by Directors, . . 
Amount of Directors' Liabilities, 

Largest indebtedness of any one individual or company, 
Highest Loan at any one time during the past year,* 
Annual Expenses, about 



232 shares. 

$44,211 64 

17,713 00 

462,436 79 

2,375 00 



* Including $221,720 Government Loan. 



24 



BANK COMMISSIONERS' REPORT. 



[Jan. 



BAY STATE BANK— LAWRENCE. 

[April 21, 1864.] 

Charles S. Storrow, President. Cashier, Nathaniel White. 



Capital, 


$375,000 00 


Loan, 


$825,587 46 


Circulation, 


358,836 00 


Real Estate, 


20,000 00 


Deposits, 


157,052 56 


For. Bills and Checks, 


47,034 58 


Bank Balances, . 


1,360 12 


Bank Balances, 


11,760 61 


Profits on hand, . 


29,085 47 


Specie, 

Immediate Resources, 


16,951 50 




$921,334 15 


$921,334 15 


Immediate Liabilities, . 


$517,248 68 


$75,746 69 



Overdue or Suspended Paper, None. 

Stock owned by Directors, 

Amount of Directors' Liabilities, .... 
Largest indebtedness of any one individual or company, 
Highest Loan at any one time during the past year,* 
Annual Expenses, ....... 



109 shares. 
$6,545 30 
90,000 00 

825,587 46 
6,250 00 



* Including $438,000 U. S. and 830,000 Mass. Loan. 



ABINGTON BANK— ABINGTON. 

[April 22, 1864.] 



Baxter Cobb,- President. 

• 


Cashier, Judson 


N. Farrar. 


Capital, . 


$150,000 00 


Loan, 


$293,175 14 


Circulation, 


131,823 00 


Real Estate, 


6,000 00 


Deposits, 


36,534 23 


For. Bills and Checks, 


9,109 83 


Bank Balances, . 


— — 


Bank Balances, 


14,577 11 


Profits on hand, . 


15,330 10 


Specie, 


5,825 25 






Bank of Mut. Red., . 
Immediate Resources, 


5,000 00 




$333,687 33 


$333,687 33 


Immediate Liabilities, . 


$168,357 23 


$29,512 19 



Overdue or Suspended Paper, $2,300. No loss anticipated. 



Stock owned by Directors, . . . . ; 
Amount of Directors' Liabilities, .... 
Largest indebtedness of any one individual or company, 
Highest Loan at any one time during the past year,* 
Annual Expenses, about . . . . . . 



181 shares. 
$25,852 83 
19,500 00 
308,770 00 
- 2,000 00 



* Including $106,200 Goyernment Loan. 



1865.] 



PUBLIC DOCUMENT— No. 8. 



25 



CAMBRIDGE CITY BANK— CAMBRIDGE. 

[April 26, 1864.] 

John Livermore, President. Cashier, Edward Richardson. 



Capital, 


$100,000 00 


Loan, 


$240,461 76 


Circulation, 


90,270 00 


Real Estate, 


— — 


Deposits, 


50,420 05 


For. Bills and Checks, 


4,061 30 


Bank Balances, . 


— — 


Bank Balances, 


407 37 


Profits on hand, . 


12,240 38 


Specie, 

Immediate Resources, 


8,000 00 




$252,930 43 


$252,930 43 


Immediate Liabilities, . 


$140,690 05 


$12,468 67 



Overdue or Suspended Paper, $6,202.86. Probable loss, About $1,200. 



Stock owned by Directors, ..... 
Amount of Directors' Liabilities, .... 
Largest indebtedness of any one individual or company, 
Highest Loan at any one time during the past year,* 
Annual Expenses, 



46 shares. 

$2,822 25 

15,471 90 

249,002 89 

2,350 00 



* Including $135,816.02 Government Loan. 



BRIGHTON MARKET BANK-BRIGHTON. 

[April 28, 1864.] 
Life Baldwin, President. Cashier, E. P. Wright. 



Capital, 


$250,000 00 


Loan, 


$543,850 05 


Circulation, 


243,149 00 


Real Estate, 


8,240 28 


Deposits, 


127,822 68 


For. Bills and Checks, 


7,421 77 


Bank Balances, . 


1,581 81 


Bank Balances, 


55,545 45 


Profits on hand, . 


11,282 54 


Specie, 


13,778 48 






Bank of Mut. Red., . 
Immediate Resources, 


5,000 00 


• 


$633,836 03 


$633,836 03 


Immediate Liabilities, . 


$372,553 49 


$76,745 70 



Overdue or Suspended Paper, $621.78 Probable loss, Nothing. 
Stock owned by Directors, ....... 220 shares. 



Amount of Directors' Liabilities, 

Largest indebtedness of any one individual or company, . 
Highest Loan at any one time during the past year,* 
Annual Expenses, ........ 



$29,334 00 

68,775 00 

576,010 18 

3,300 00 



* Including about $150,000 Government Loan. 



26 



BANK COMMISSIONERS' REPORT. 



[Jan. 



HADLEY FALLS BANK— HOLYOKE. 

[May 3, 1864.] 

Abel D. Chapix, President. Cashier, Charles W. Raxlett. 



Capital, 


$200,000 00 


Loan, 


$415,869 16 


Circulation, 


203,920 00 


Vault and Furniture, 


2,000 00 


Deposits, . 


74,600 46 


For. Bills and Checks, 


5,945 67 


Bank Balances, . 


633 25 


Bank Balances, 


65,818 70 


Profits on hand, . 


26,760 45 


Specie, 


13,280 63 






Bank of Mut. Red., . 
Immediate Resources, 


3,000 00 




$505,914 16 


$505,914 16 


Immediate Liabilities, . 


$279,153 71 


$85,045 00 



Overdue or Suspended Paper, $9,018.60. No loss anticipated. 



Stock owned by Directors, 

Amount of Directors' Liabilities, .... 
Largest indebtedness of any one individual or company, 
Highest Loan at any one time during the past year,* 
Annual Expenses, about 



194 shares. 
$6,828 00 
30,000 00 

415,869 16 
3,300 00 



* Including $208,000 Government Loan. 



FALL RIVER BANK— FALL RIVER. 

[May 10, 1864.] 

David Axthoxy, President. Cashier, George R. Fiske. 



Capital, . . . | 


$350,000 00 


4 

Loan, 


$579,458 55 


Circulation, 


176,492 00 


Real Estate, 


8,000 00 


Deposits, 


97,023 97 


For. Bills and Checks, 


4,054 00 


Bank Balances, . 


— — 


Bank Balances, 


74,309 64 


Profits on hand, . 


54,116 76 


Specie, 

Immediate Resources, 


11,810 54 




$677,632 73 


$677,632 73 


Immediate Liabilities, . 


$273,515 97 


$90,174 18 



Overdue or Suspended Paper, $792. Probable loss, One-half. 



Stock owned by Directors, 

Amount of Directors' Liabilities, .... 
Largest indebtedness of any one individual or company, 
Highest Loan at any one time during the past year,* 
Annual Expenses, about 



345 shares. 

$15,700 00 

41,500 00 

630,030 82 

2,250 00 



* Including about $300,000 Government Loan. 



1865.] 



PUBLIC DOCUMENT— No. 8. 



27 



ANDOVER BANK— ANDOVER. 

[May 11, 1864.] 

John Flint, President. Cashier, Moses Foster, Jr. 



Capital, 


$250,000 00 


Loan, 


$380,597 20 


Circulation, 


119,739 00 


Real Estate, 


5,000 00 


Deposits, 


33,691 97 ; 


For. Bills and Checks, 


27,090 67 


Bank Balances, . 


_ _ 


Bank Balances, 


4,934 51 


Profits on hand, . 


22,643 45 


Specie, 

• 

Immediate Resources, 


8,452 04 




$426,074 42 


$426,074 42 


Immediate Liabilities, . 


$153,430 97 


$40,477 22 



Stock owned by Directors, 
Amount of Directors' Liabilities, .... 
Largest indebtedness of any one individual or company, 
Highest Loan at any one time during the past year,* 
Annual Expenses, about 



97 shares. 
$30,097 86 

14,011 75 

441,493 46 

1,600 00 



* Including about 3220,000 Government Loan. 



DANVERS BANK— SOUTH DANVERS. 

[May 12, 1864.] 

Eben Sutton, President. Cashier, George A. Osborne. 



Capital, 


$150,000 00 


Loan, 


$300,221 36 


Circulation, 


124,510 00 


Real Estate, /. 


1,500 00 


Deposits, 


41,101 93 


For. Bills and Checks, 


35,227 82 


Bank Balances, . 


507 14 


Bank Balances, 


• 5,593 93 


Profits on hand, . 


36,165 97 


Specie, 

Immediate Resources, 


9,741 93 




$352,235 04 


$352,285 04 


Immediate Liabilities, . 


$166,119 07 


$50,563 68 



Overdue or Suspended Paper, $4,351.35. Probable loss, About $500. 



Stock owned by Directors, 

Amount of Directors' Liabilities, .... 
Largest indebtedness of any one individual or company, 
Highest Loan at any one time during the past year,* 
Annual Expenses, about 



120 shares. 

$24,625 85 

29,000 00 

305,473 78 

2,000 00 



* No Government Loan. 



28 



BANK COMMISSIONERS' REPORT. 



[Jan. 



UNION BANK OF WEYMOUTH AND BRAINTREE— WEYMOUTH. 

[May 17, 1864.] 

Minot Tirrell, President. Cashier, John W. Loud. 



Capital, . ... 


$150,000 00 


Loan, 


$295,816 68 


Circulation, . . 


102,714 00 


Real Estate, 


4,500 00 


Deposits, 


48,542 60 


For. Bills and Checks, 


6,900 88 


Bank Balances, . 


— — 


Bank Balances, 


13,269 51 


Profits on hand, . 


26,249 52 


Specie, 

Immediate Resources, 


7,019 05 




$327,506 12 


$327,506 12 


Immediate Liabilities, . 


$151,256 60 


$27,189 44 



Overdue or Suspended Paper, $8,155.33. Probable loss, Per 
Stock owned by Directors, 
Amount of Directors' Liabilities, 

Largest indebtedness of any one individual or company, 
Highest Loan at any one time during the past year,* 
Annual Expenses, about . 



haps $1,500. 
119 shares. 
$20,395 79 
15,000 00 
315,417 65 
2,400 00 



* Including about $150,000 Government Loan. 



POWOW RIVER BANK— SALISBURY. 

[May 20, 1864.] 

Jonathan B. Webster, President. Cashier, George F. Bagley. 



Capital, 


$100,000 00 


Loan, . . 


$229,204 33 


Circulation, 


95,024 00 


Real Estate, 


4,900 00 


Deposits, 


75,734 35 


For. Bills and Checks, 


6,129 50 


Bank Balances, . 


— — 


Bank Balances, 


40,064 41 


Profits on hand, . 


14,990 05 


Specie, 

Immediate Resources, 


5,450 16 




$285,748 40 


$285,748 40 


Immediate Liabilities, . 


$170,758 35 


$51,644 07 



Overdue or Suspended Paper, None. 

Stock owned by Directors, 

Amount of Directors' Liabilities, . . • 
Largest indebtedness of any one individual or company, 
Highest Loan at any one time during the past year,* 
Annual Expenses, about 



108 shares. 
$5,087 89 
35,000 00 

229,204 33 
1,500 00 



* Including $55,000 U. S. Bonds, and $7,000 Mass. Bonds. 



1865.] 



PUBLIC DOCUMENT— No. 8. 



29 



OCEAN BANK— NEWBURYPORT. 

[May 21, 1864.] 

Enoch S. Williams, President. Cashier, Philip H. Lunt. 



Capital, 


$150,000 00 


Loan, 


$341,946 23 


Circulation, 


149,767 00 


Real Estate, 


2,500 00 


Deposits, . 


101,236 99 


For. Bills and Checks, 


4,057 01 


Bank Balances, . 


— — 


Bank Balances, 


65,698 00 


Profits on hand, . 


25,334 15 


Specie, 


11,196 90 






Bank of Mut. Red., . 
Immediate Resources, 


940 00 




$426,338 14 


$426,338 14 


Immediate Liabilities, . 


$251,003 99 


$80,951 91 



Overdue or Suspended Paper, $100. Probable loss, None. 

Stock owned by Directors, 351 shares 

Amount of Directors' Liabilities, . . . 
Largest indebtedness of any one individual or company, 
Highest Loan at any one time during the past year,* 
Annual Expenses, about ...... 



$22,297 00 

27,500 00 

354,494 69 

1,750 00 



* Including $50,000 Government Loan. 



PEMBERTON BANK— LAWRENCE. 

[May 24, 1864.] 

Levi Spragtje, President. Cashier, William H. Jaquith. 



Capital, 


$100,000 00 


Loan, 


$251,115 92 


Circulation, 


92,927 00 


Real Estate, 


7,000 00 


Deposits, 


86,309 83 


For. Bills and Checks, 


12,576 44 


Bank Balances, . 


— — 


Bank Balances, 


17,914 57 


Profits on hand, . 


17,765 70 


Specie, 


3,395 60 






Bank of Mut. Red., . 
Immediate Resources, 


5,000 00 




$297,002 53 


$297,002 53 


Immediate Liabilities, . 


$179,236 83 


$33,886 61 



Overdue or Suspended Paper, $670.02. Probable loss, None. 
Stock owned by Directors, 150 shares. 



Amount of Directors' Liabilities, .... 
Largest indebtedness of any one individual or company, 
Highest Loan at any one time during the past year,* 
Annual Expenses, about 



$24,896 14 

18,608 18 

261,096 87 

1,800 00 



* Including $61,000 Government Loan. 



30 



BANK COMMISSIONERS' REPORT. 



[Jan. 



SPICKET FALLS BANK— METHUEN. 

[May 24, 1864.] 

John Davis, President. Cashier, Geokge Foot. 



Capital, 


1100,000 00 


Loan, 


$192,857 90 


Circulation, 


73,650 00 


Real Estate, 


- - 


Deposits, 


56,907 38 


For. Bills and Checks, 


1,734 00 


Bank Balances, . 


1,400 29 


Bank Balances, 


38,293 25 


Profits on hand, . 


6,190 42 


Specie, 


2,262 94 






Bank of Mut. Red., . 
Immediate Resources, 


3,000 00 




$238,148 09 


$238,148 09 


Immediate Liabilities, . 


$131,957 67 


$42,290 19 



Overdue or Suspended Paper, $16,671. Probable loss, About $5,000. 



Stock owned by Directors, ..... 
Amount of Directors' Liabilities, .... 
Largest indebtedness of any one individual or company, 
Highest Loan at any one time during the past year,* 
Annual Expenses, ....... 



87 shares. 

Nothing. 
$15,000 00 
197,291 81 

1,400 00 



* Including $155,000 Government Loan. 



HAVERHILL BANK— HAVERHILL. 

[May 25, 1864.] 

John A. Appleton, President. Cashier, James E. Gale. 



Capital, 


$200,000 00 


Loan, 


$394,553 11 


Circulation, 


135,474 00 


Real Estate, 


8,250 00 


Deposits, 


58,890 53 


For. Bills and Checks, 


919 00 


Bank Balances, . 


41,894 30 


Bank Balances, 


24,386 99 


Profits on hand, . 


3,141 53 


Specie, 


6,291 26 


• 




Bank of Mut. Red., . 
Immediate Resources, 


5,000 00 




$439,400 36 


$439,400 36 


Immediate Liabilities, . 


$236,258 83 


$31,597 



Overdue or Suspended Paper, $14,761.81. No loss expected. 
Stock owned by Directors, 65 shares. 



Amount of Directors' Liabilities, .... 
Largest indebtedness of any one individual or company, 
Highest Loan at any one time during the past year,* 
Annual Expenses, ....... 



$21,341 03 

14,744 80 

394,553 11 

2,350 00 



* Including $233,000 U. S. Loan. 



1865.] 



PUBLIC DOCUMENT— No. 8. 



31 



ESSEX BANK— HAVERHILL. 

[May 25, 1864.] 



James Gale, President. 



Cashier, William Caldwell. 



Capital, . 


$100,000 00 


Loan, 


$207,597 90 


Circulation, 


82,582 00 


Real Estate, 


8,000 00 


Deposits, 


28,187 59 


For. Bills and Checks, 


2,505 97 


Bank Balances, . 


5,060 88 


Bank Balances, 


959 34 


Profits on hand, . 


9,232 90 


Specie, 


3,000 16 






Bank of Mut. Red., . 
Immediate Resources, 


3,000 00 




$225,063 37 


$225,063 37 


Immediate Liabilities, . 


$115,830 47 


$6,465 47 



Overdue or Suspended Paper, $32,000. Probable loss, $10,000. 

Stock owned by Directors, 41 shares. 

Amount of Directors' Liabilities, .... 
Largest indebtedness of any one individual or company, 
Highest Loan at any one time during the past year,* 
Annual Expenses, 



$7,700 00 

20,000 00 

217,805 00 

1,400 00 



* Including $120,000 Government Loan. 



UNION BANK— HAVERHILL. 

[May 25, 1864.] 

George Cogswell, President Cashier, Elbrldge G. Wood. 



Capital, 


$200,000 00 


Loan, 


$364,931 70 


Circulation, 


146,461 00 


Real Estate, 


10,000 00 


Deposits, 


104,262 60 


For. Bills and Checks, 


38,153 29 


Bank Balances, . 


34 73 


Bank Balances, 


51,459 76 


Profits on hand, . 


17,715 00 


Specie, 

Immediate Resources, 


3,928 58 




$468,473 33 


$468,473 33 


Immediate Liabilities, . 


$250,758 33 


$93,541 63 



Overdue or Suspended Paper, $6,762.42. No loss expected. 
Stock owned by Directors, . . . . . . 205 shares. 



Amount of Directors' Liabilities, 
Largest indebtedness of any one individual or company, 
Highest Loan at any one time during the past year,* 
Annual Expenses, about . 



$10,143 00 

10,000 00 

377,276 55 

2,500 00 



* Including $273,000 Government Loan. 



32 



BANK COMMISSIONERS' REPORT. 



[Jan. 



PLYMOUTH BANK— PLYMOUTH. 

[May 31, 1864.] 

William T. Davis, President. Cashier, Isaac N. Stoddard. 



Capital, 


1150,000 00 


Loan, 


$299,535 64 


Circulation, 


141,215 00 


Real Estate, 


2,500 00 


Deposits, 


49,553 17 


For. Bills and Checks, 


27,083 18 


Bank Balances, . 


— — 


Bank Balances, 


18,639 90 


Profits on hand, . 


17,364 55 


Specie, 


6,874 00 






Bank of Mut. Red., . 
Immediate Resources, 


3,500 00 




$358,132 72 


$358,132 72 


Immediate Liabilities, . 


$190,768 17 


$52,597 08 



Overdue or Suspended Paper, $460. Probable loss, Nothing. 



Stock owned by Directors, ..... 
Amount of Directors' Liabilities, .... 
Largest indebtedness of any one individual or company, 
Highest Loan at any one time during the past year,* 
Annual Expenses, about ...... 



139 shares. 

$24,831 70 

51,844 23 

325,265 25 

3,000 00 



* Including about $121,000 Government Loan. 



WAREHAM BANK— WAREHAM. 

[June 1, 1864.] 

Joshua B. Tobey, President. Cashier, Thomas R. Miles. 



Capital, 


$100,000 00 


Loan, 


$209,002 08 


Circulation, 


71,461 00 


Real Estate, 


5,000 00 


Deposits, . 


69,689 09 


For. Bills and Checks, 


6,290 27 


Bank Balances, . 


- — 


Bank Balances, 


23,814 51 


Profits on hand, . 


9,239 77 


Specie, 

Immediate Resources, 


6,283 00 




$250,389 86 


$250,389 86 


Immediate Liabilities, . 


$141,150 09 


$36,387 78 



Overdue or Suspended Paper, $5,899.99. Probable loss, About half. 
Stock owned by Directors, 104 shares. 



Amount of Directors' Liabilities, .... 
Largest indebtedness of any one individual or company, 
Highest Loan at any one time during the past year,* 
Annual Expenses, about ...... 



$375 00 

16,000 00 

214,456 35 

1,500 00 



* Including $17,263.97 Government Loan. 



1865.] 



PUBLIC DOCUMENT— No. 8. 



33 



PITTSFIELD BANK— PITTSFIELD. 

[June 6, 1864.] 

Julius Rockwell, President. Cashier, E. S. Feancis. 



Capital, 


$500,000 00 


Loan, 


81,063,159 37 


Circulation, 


401,683 00 


Real Estate, 


13,767 14 


Deposits, 


286,733 66 


For. Bills and Checks, 


31,137 82 


Bank Balances, . 


11,038 81 


Bank Balances, 


160,178 58 


Profits on hand, . 


76,857 11 


Specie, 


5,070 00 






Bank of Mat. Red., . 

Immediate Resources, 
1 


3,000 00 




81,276,312 91 


61.276.312 91 


Immediate Liabilities, . 


8699,455 50 
1 


$196,386 40 



Stock owned by Directors, 

Amount of Directors' Liabilities, 

Largest indebtedness of any one individual or company, 

Highest Loan at any one time during the past year,* 

Annual Expenses, .... 



537 shares. 

$208,671 74 

89,196 00 

1,207,868 03 

6,600 00 



* Including $462,300 Government Loan. 



AGRICULTURAL BANK— PITTSFIELD. 

[June 7, 1864.] 

Thomas F. Plunkett, President. Cashier, John R. Warrixer. 



Capital, 


$200,000 00 


Loan, 


$483,416 50 


Circulation, 


173,369 00 


Real Estate, 


16,491 19 


Deposits, 


190,888 23 


For. Bills and Checks, 


3,727 38 


Bank Balances, . 


5,825 04 


Bank Balances, 


101,770 63 


Profits on hand, . 


48,706 53 : 


Specie, 


10,383 10 






Bank of Mat Red., . 
Immediate Resources, 


3.000 00 




$618,788 80 


$618,788 80 


Immediate Liabilities, . 


$370,082 27 


$115,881 11 



Overdue or Suspended Paper, $2,055.44. Probable loss, About $500. 
Stock owned by Directors, 244 shares. 



Amount of Directors' Liabilities, 
Largest indebtedness of any one individual or company, 
Highest Loan at any one time during the past year,* 
Annual Expenses, about . 



$20,897 56 

60,000 00 

491,114 35 

2,900 00 



* Including 8136,000 U. S. Loan, and 810,000 State Loan. 

5 



34 



BANK COMMISSIONERS' REPORT. 



[Jan. 



AGAWAM BANK— SPRINGFIELD. 

[June 8, 1864.] 

Marvin Chapin. President. Cashier, F. S. Bailey. 



Capital, 


$300,000 00 


Loan,* 


$744,687 64 


Circulation, 


321,271 00 


Real Estate, 


10,708 83 


Deposits, . 


274,224 88 


For. Bills and Ch'ks,f 


35,880 02 


Bank Balances, . 


2,353 28 


Bank Balances, 


139,484 47 


Profits on band, . 


41,606 71 


Specie, 


5,694 91 






Bank of Mut. Red., . 

• 
Immediate Resources, 


3,000 00 




$939,455 87 


$939,455 87 


Immediate Liabilities, . 


$597,849 16 


$181,059 40 



Overdue or Suspended Paper, $400. No loss anticipated. 



Stock owned by Directors, 

Amount of Directors' Liabilities, ...... 

Largest indebtedness of any one individual or company, . 

Highest Loan at any one time during the past year,J 

Annual Expenses, $5,000 to 



195 shares. 

$50,381 56 

65,308 00 

818,162 56 

5,500 00 



* Including $254,305 U. S. Securities. t Legal Tender Notes included, $24,200. 

t About half of this was Government Loan. 



BEVERLY BANK— BEVERLY. 

[June 10, 1864.] 

Samuel Endicott, President. . Cashier, Robert G. Bennett. 



Capital, 


$125,000 00 


Loan, 


$256,351 59 


Circulation, 


86,681 00 


Real Estate, 


— — 


Deposits, 


57,623 88 


For. Bills and Checks, 


3,329 29 


Bank Balances, . 


2,164 54 


Bank Balances, 


9,603 54 


Profits on hand, . 


10,179 41 


Specie, 

Immediate Resources, 


12,364 41 




$281,648 83 


$281,648 83 


Immediate Liabilities, . 


$146,469 42 


$25,297 24 



Overdue or Suspended Paper, $1,738. No loss anticipated. 
Stock owned by Directors, 96 shares. 



Amount of Directors' Liabilities, .... 
Largest indebtedness of any one individual or company, 
Highest Loan at any one time during the past year,* 
Annual Expenses, about . . . .* 



$21,807 00 

16,142 00 

286,398 58 

2,400 00 



* Including $60,000 Government Loan. 



1865.] 



PUBLIC DOCUMENT— No. 8. 



35 



FRANKLIN COUNTY BANK— GREENFIELD. 

[June 16, 1864.] 

Ira Abercrombie, President. Cashier, R. A. Packard. 



Capital, 
Circulation, 
Deposits, 
Bank Balances, 
Profits on hand, 



Immediate Liabilities, . 



$200,000 00 


160,110 00 


70,726 10 


1,185 15 


29,766 04 


$461,787 29 


$232,021 25 



.Loan, 

Real Estate, 

For. Bills and Checks 

Bank Balances, 

Specie, 

Bank of Mut. Red- 



Immediate Resources, 



$390,043 45 
6,600 00 
8,618 00 
48,225 84 
5,300 00 
3,000 00 



$461,787 29 



562,143 84 



Overdue or Suspended Paper, $14,343.70. Probable loss, None. 



Stock owned by Directors, 

Amount of Directors' Liabilities, .... 
Largest indebtedness of any one individual or company, 
Highest Loan at any one time during the past year,* 
Annual Expenses, about 



158 shares. 
$2,321 00 
20,000 00 

419,850 30 
3,000 00 



* Including $150,000 Government Loan. 



MILLER'S RIVER BANK— ATHOL. 

[June 16, 1864.] 

Isaac Stevens, President. Cashier, Alpheus Harding, Jr. 



Capital, 


$150,000 00 


Loan, 


$270,325 79 


Circulation, 


91,260 00 


Real Estate, 


2,000 00 


Deposits, 


55,923 45 


For. Bills and Checks, 


12,275 71 


Bank Balances, . 


— — 


Bank Balances, 


27,486 56 


Profits on hand, . 


26,024 80 


Specie, 

Immediate Resources, 


11,120 19 




$323,208 25 


$323,208 25 


Immediate Liabilities, . 


$147,183 45 


$50,882 46 



Overdue or Suspended Paper, $5,006.24. Probable loss, Nothing. 
Stock owned by Directors, 115 shares. 



Amount of Directors' Liabilities, 
Largest indebtedness of any one individual or company, 
Highest Loan at any one time during the past year,* 
Annual Expenses, about . 



$22,624 00 

12,626 00 

308,767 33 

2,600 00 



* Including $91,000 Government Loan. 



36 



BANK COMMISSIONERS' REPORT. 



[Jan. 



HOPKINTON BANK— HOPKINTON. 

[July 12, 1864.] 

Lovett H. Bowker, President. Cashier, James S. Tileston. 



Capital, 


$150,000 00 


Loan, 


$273,108 31 


Circulation, 


107,653 00 


Real Estate, 


— — 


Deposits, . . . 


18,755 04 


For. Bills and Checks, 


749 81 


Bank Balances, . 


— — 


Bank Balances, 


8,798 12 


Profits on hand, . 


14,476 20 


Specie, 


5,228 00 






Bank of Mut. Red., . 
Immediate Resources, 


3,000 00 




$290,884 24 


$290,884 24 


Immediate Liabilities, . 


$126,408 04 


$14,775 93 



Overdue or Suspended Paper, $975.48. Probable loss, $600 to $700. 



Stock owned by Directors, 

Amount of Directors' Liabilities, .... 
Largest indebtedness of any one individual or company, 
Highest Loan at any one time during the past year,* 
Annual Expenses, about 



188 shares. 

$71,225 86 

23,720 75 

301,723 23 

2,050 00 



* Including about 3150,000 Government Loan. 



MILFORD BANK— MILFORD. 

[July 13, 1864.] 

A. C. Mayhew, President. Cashier, A. G. Underwood. 



Capital, 
Circulation, 
Deposits, 
Bank Balances, 
Profits on hand, 



Immediate Liabilities, 



$250,000 00 


178,347 00 


48,068 44 


36,502 86 


$512,918 30 


$226,415 44 



Loan, 

Real Estate, 

For. Bills and Checks 

Bank Balances, 

Specie, 

Bank of Mut. Red., 



Immediate Resources, 



$457,646 74 

5,476 86 
32,422 30 
12,372 40 

5,000 00 



$512,918 30 



$50,271 56 



Overdue or Suspended Paper, $3,398.09. Probable loss, None. 
Stock owned by Directors, 143 shares. 



Amount of Directors' Liabilities, .... 
Largest indebtedness of any one individual or company, 
Highest Loan at any one time during the past year,* 
Annual Expenses, about . . . . - . 



$78,214 31 

63,653 26 

512,314 37 

3,400 00 



* Including $96,000 Government Loan. 



1865.] 



PUBLIC DOCUMENT— No. 8. 



37 



HOLLISTON BANK— HOLLISTON. 

[July 13, 1864.] 

William S. Batchelder, President. Cashier, Bufus F. Brewer. 



Capital, 


$100,000 00 


Loan, 


$181,542 90 


Circulation, 


83,598 00 


Beal Estate, 


— — 


Deposits, 


17,153 30 


For. Bills and Checks, 


5,559 81 


Bank Balances, . 


— — 


Bank Balances, 


18,879 08 


Profits on hand, . 


10,230 53 

j 


Specie, 

Immediate Resources, 


• 5,000 04 




8210,981 83 ! 


$210,981 83 


Immediate Liabilities, . 


$100,751 30 


$29,438 93 



Overdue or Suspended Paper, Not stated. Probable loss, Nothing. 



Stock owned by Directors, 

Amount of Directors' Liabilities, .... 
Largest indebtedness of any one individual or company, 
Highest Loan at any one time during the past year,* 
Annual Expenses, . . . . 



224 shares. 

$26,587 50 

13,300 00 

209,463 66 

1,450 00 



* Including 810,000 Government Loan. 



BANK OF CAPE COD— HARWICH. 

[July 20, 1864.] 

Prince S. Crowell, President. Cashier, Obed Brooks. 



Capital, 


$150,000 00 


Loan,* 


$311,284 61 


Circulation, 


118,469 00 


Real Estate, 


10,126 45 


Deposits, 


72,065 00 


For. Bills and Checks, 


6,522 00 


Bank Balances, . 


— — 


Bank Balances, 


20,114 36 


Profits on hand, . 


15,292 60 


Specie, 

Immediate Resources, 


7,779 18 




$355,826 60 


$355,826 60 


Immediate Liabilities, . 


$190,534 00 
i 


$34,415 54 



Overdue or Suspended Paper, $13,281. Probable loss, 
Stock owned by Directors, 
Amount of Directors' Liabilities, 

Largest indebtedness of any one individual or company, 
Highest Loan at any one time during the past year, 
Annual Expenses, 



$1,000. 

119 shares. 

$24,676 28 

Not stated. 

$341,526 00 

2,140 00 



* Including $50,000 U. S. Bonds, and 87,500 State Loan. 



38 



BANK COMMISSIONERS' REPORT. 



[Jan . 



BARNSTABLE BANK— YARMOUTH. 

[July 21, 1864.] 



Seth Crowell, President. 



Cashier, Amos Otis. 



Capital, 


$350,000 00 


Loan, 


$704,813 93 


Circulation, 


334,334 00 


Real Estate, 


2,000 00 


Deposits, . 


55,416 39 


For. Bills and Checks, 


314 90 


Bank Balances, . 


— - 


Bank Balances, 


59,025 84 


Profits on hand, . 


47,246 30 


Specie, 

Immediate Resources, 


20,842 02 




$786,996 69 


$786,996 69 


Immediate Liabilities, . 


$389,750 39 


$80,182 76 



Overdue or Suspended Paper, $27,662. Probable loss, $2,612. 



Stock owned by Directors, ..... 
Amount of Directors' Liabilities, .... 
Largest indebtedness of any one individual or company, 
Highest Loan at any one time during the past year,* 
Annual Expenses, about ...... 



102 shares. 

$24,143 06 

20,000 00 

704,813 93 

4,000 00 



* Including $ 328,000 Government Loan. 



GLOUCESTER BANK— GLOUCESTER. 

[August 18, 1864.] 

Isaac Somes, President. Cashier, William Babson. 



Capital, 


$300,000 00 


Loan, 


$653,040 49 


Circulation, 


201,700 00 


Real Estate, 


8,500 00 


Deposits, 


176,100 73 


For. Bills and Checks, 


13,326 42 


Bank Balances, . 


— — 


Bank Balances, 


35,606 88 


Profits on hand, . 


53,505 92 


Specie, 


12,832 86 






BankofMut. Red., . 
Immediate Resources, 


8,000 00 




$731,306 65 


$731,306 65 


Immediate Liabilities, . 


$377,800 73 


$61,766 16 



Overdue or Suspended Paper, $290. Probable loss, $290. 

Stock owned by Directors, 140 shares. 

Amount of Directors' Liabilities, .... 
Largest indebtedness of any one individual or company, 
Highest Loan at any one time during the past year,* 
Annual Expenses, about 



$22,137 61 

42,000 00 

737,689 12 

2,600 00 



* Including $450,000 Government Loan. 



1865.] 



PUBLIC DOCUMENT— No. 8. 



39 



BANK OF CAPE ANN— GLOUCESTER. 

[August 19, 1864.] 
Gorham P. Low, President . Cashier, Samuel J. Giles. 



Capital, 


$150,000 00 


Loan, 


$398,140 11 


Circulation, 


161,051 00 


Real Estate, 


1,867 00 


Deposits, 


95,735 38 


For. Bills and Checks, 


8,454 89 


Bank Balances, . 


145 25 


Bank Balances, 


12,024 33 


Profits on hand, . 


23,590 95 


Specie, 


7,036 25 


* 




Bank of Mut. Red., . 
Immediate Resources, 


3,000 00 




$430,522 58 


$430,522 58 


Immediate Liabilities, . 


$256,931 63 


$27,515 47 



Overdue or Suspended Paper, $1,038.75. Probable loss, Nothing. 



Stock owned by Directors, ..... 
Amount of Directors' Liabilities, .... 
Largest indebtedness of any one individual or company, 
Highest Loan at any one time during the past year,* 
Annual Expenses, . 



93 shares. 
$29,852 00 

15,441 00 

460,166 13 

2,650 00 



* Including $202,250 Government Loan. 



MARBLEHEAD BANK— MARBLEHEAD. 

[August 24, 1864.] 

Isaac C. Wyman, President. Cashier, John Sparhawk. 



i 
Capital, 


$102,000 00 


Loan, 


$191,051 24 


Circulation, 


80,830 00 


Real Estate, 


7,900 00 


Deposits, 


38,434 69 


For. Bills and Checks, 


10,472 96 


Bank Balances, . 


— — 


Bank Balances, 


10,596 32 


Profits on hand, . 


7,379 83 


Specie, 

Immediate Resources, 


8,624 00 


■ 


$228,644 52 


$228,644 52 


Immediate Liabilities, . 


$119,264 69 


$29,693 28 



Overdue or Suspended Paper, None. 

Stock owned by Directors, 

Amount of Directors' Liabilities, .... 
Largest indebtedness of any one individual or company, 
Highest Loan at any one time during the past year,* . 
Annual Expenses, about ...... 



81 shares. 

$400 00 

10,000 00 

186,089 45 

1,200 00 



* Including $82,300 Government Loan. 



40 



BANK COMMISSIONERS' REPORT. 



[Jan. 



GRAND BANK— MARBLEHEAD. 

[August 24, 1864.] 

Ebenezer B. Phillips, President. Cashier, Joseph P. Turner. 



Capital, 


$100,000 00 


Loan, 


$218,062 07 


Circulation, 


92,147 00 


Real Estate, 


5,200 00 


Deposits, 


51,130 39 


i 

For. Bills and Checks, 


7,695 35 


Bank Balances, . 


164 85 


Bank Balances, 


14,759 70 


Profits on hand, . 


9,788 50 


Specie, 

Immediate Resources, 


7,513 62 




$253,230 74 


$253,230 74 


Immediate Liabilities, . 


$143,442 24 


$29,968 67 



Stock owned by Directors, 

Amount of Directors' Liabilities, 

Largest indebtedness of any one individual or company, 

Highest Loan at any one time during the past year,* 

Annual Expenses, about . 



150^- shares. 

$19,589 37 

14,738 82 

249,636 72 

1,500 00 



* Including $178,500 Government Loan. 



HINGHAM BANK— H1NGHAM. 

[August 30, 1864.] 

David Lincoln, President. Cashier, John O. Lovett. 



Capital, 


$140,000 00 


Loan, 


$279,912 91 


Circulation, 


121,368 00 


Real Estate, 


13,376 35 


Deposits, 


54,733 19 


For. Bills and Checks, 


9,039 07 


Bank Balances, . 


— — 


Bank Balances, 


29,700 35 


Profits on hand, . 


22,953 17 , 


Specie, 

Immediate Resources, 


7,025 68 




$339,054 36 


$339,054 36 


Immediate Liabilities, . 


$176,100 99 


$45,764 90 



Overdue or Suspended Paper, None. 

Stock owned by Directors, 

Amount of Directors' Liabilities, .... 
Largest indebtedness of any one individual or company, 
Highest Loan at any one time during the past year,* 
Annual Expenses, 



78 shares. 
$39,425 00 

15,200 00 

291,000 00 

3,000 00 



* Including S118,000 Government Loan. 



1865.] 



PUBLIC DOCUMENT— No. 8. 



41 



RANDOLPH BANK— RANDOLPH. 

[September 16, 1864.] 

Seth Turner, President. Cashier, Henry Stevens. 



Capital, 


$150,000 00 


Loan,* 


$393,684 03 


Circulation, 


147,827 00 


Real Estate, 


— — 


Deposits, 


74,429 47 


For. Bills and Checks, 


6,225 14 


Bank Balances, . 


— — 


"Bank Balances, 


24,738 23 


Profits on hand, . 


67,610 70 


Specie, 

Immediate Resources, 


15,219 77 




$439,867 17 


$439,867 17 


Immediate Liabilities, . 


$222,256 47 


$46,183 14 



Overdue or Suspended Paper, $2,000. Probable loss, Nothing. 
Stock owned by Directors, 104 shares. 



Amount of Directors' Liabilities, .... 
Largest indebtedness of any one individual or company, 
Highest Loan at any one time during the past year, 
Annual Expenses, about 



Nothing. 
$23,600 00 
405,497 30 

3,000 00 



* Including 8171,886.84 U. S. Loan, and $4,500 Loan to State. 



GRAFTON BANK— GRAFTON. 

[September 20, 1864.] 

E. B. Stoddard, President. Cashier, Henry F. Wing. 



Capital, 


$100,000 00 


1 
Loan,* 


$173,446 64 


Circulation, 


72,258 00 


Real Estate, 


- - 


Deposits, 


16,972 82 


For. Bills and Checks, 


10,694 96 


Bank Balances, . 


— — 


Bank Balances, 


8,889 03 


Profits on hand, . 


10,197 62 


Specie, 


3,397 81 






Bank of Mut. Red., . 
Immediate Resources, 


3,000 00 




$199,428 44 


$199,428 44 


Immediate Liabilities, . 


$89,230 82 


$22,981 80 



Overdue or Suspended Paper, None. 
Stock owned by Directors, 
Amount of Directors' Liabilities, 
Largest indebtedness of any one individual or company, 
Highest Loan at any one time during the past year, . 
Annual Expenses, about . 



51 shares. 
$31,471 98 

12,202 58 

201,000 00 

1,400 00 



* Including 825,000 U. S. Loan, and 85,000 Loan to State. 
6 



42 



BANK COMMISSIONERS' REPORT. 



[Jan. 



BLACKSTONE BANK— UXBRIDGE. 

[September 20, 1864.] 

Paul Whitin, President. Cashier, Ebenezer W. Hayward. 



Capital, 


$100,000 00 


Loan, 


$199,094 80 


Circulation, 


95,844 25 


Heal Estate, 


• — - 


Deposits, . 


36,829 35 


For. Bills and Checks, 


7,460 45 


Bank Balances, . 


— — 


Bank Balances, 


41,974 60 


Profits on hand, . 


27,822 56 


Specie, 


6,966 31 






Bank of Mut. Red., . 
Immediate Resources, 


5,000 00 




$260,496 16 


$260,496 16 


Immediate Liabilities, . 


$132,673 60 


$56,001 36 



Overdue or Suspended Paper, $372. Probable loss, $150. 



Stock owned by Directors, ..... 
Amount of Directors' Liabilities, .... 
Largest indebtedness of any one individual or company, 
Highest Loan at any one time during the past year,* 
Annual Expenses, about ...... 



88 shares. 
$51,656 97 

25,000 00 

215,000 00 

1,500 00 



* Including $43,000 Government Loan. 



WORCESTER COUNTY BANK— BLACKSTONE. 

[September 21, 1864.] 

Henry S. Mansfield, President. Cashier, Moses Farnum. 



Capital, 


$100,000 00 


Loan, 


$178,707 78 


Circulation, 


81,773 00 


Real Estate, 


— — 


Deposits, 


18,247 47 


For. Bills and Checks, 


5,851 80 


Bank Balances, . 


25 75 


Bank Balances, 


19,749 24 


Profits on hand, . 


10,668 45 


Specie, 


3,405 85 






Bank of Mut. Red., . 
Immediate Resources, 


3,000 00 




$210,714 67 


$210,714 67 


Immediate Liabilities, . 


$100,046 22 


$29,006 89 



Overdue or Suspended Paper, $250. Probable loss, Nothing. 
Stock owned by Directors, 53 shares. 



Amount of Directors' Liabilities, . 
Largest indebtedness of any one individual or company, 
Highest Loan at any one time during the past year,* 
Annual Expenses, about . . . . ' . 



$59,405 82 

23,653 43 

186,123 08 

1,000 00 



* Including $20,000 Government Loan. 



1865.] 



PUBLIC DOCUMENT— No. 8. 



43 



TOWNSEND BANK— TOWNSEND. 

[September 21, 1864.] 

"Walter Fessenden, President. Cashier, Edward Ordway. 



Capital, 


$100,000 00 


Loan, 


$201,649 96 


Circulation, 


102,231 00 


Eeal Estate, 


1,000 00 


Deposits, 


16,519 12 


For. Bills and Checks, 


1,755 90 


Bank Balances, . 


— — 


Bank Balances, 


19,051 74 


Profits on hand, . 


11,746 48 


Specie, 


4,039 00 






Bank ofMut. Red., . 
Immediate Resources, 


3,000 00 




$230,496 60 


$230,496 60 


Immediate Liabilities, . 


$118,750 12 


$24,846 64 



Overdue or Suspended Paper, None. 
Stock owned by Directors, . 
Amount of Directors' Liabilities, .... 
Largest indebtedness of any one individual or company, 
Highest Loan at any one time during the past year,* 
Annual Expenses, ....... 



323 shares. 

$18,648 91 

34,618 02 

223,672 98 

2,100 00 



* Including $100,000 Government Loan. 



ROLLSTONE BANK— FITCHBURG. 

[September 22, 1864.] 

Moses Wood, President. Cashier, Henry A. Willis. 



Capital, 


$250,000 00 


Loan, 


$455,168 25 


Circulation, 


221,875 00 


Real Estate, 


4,614 90 


Deposits, 


126,015 43 


For. Bills and Checks, 


15,079 82 


Bank Balances, . 


— — 


Bank Balances, 


113,258 65 


Profits on hand, . 


50,416 20 


Specie, . * 


28,050 47 






U. S. Currency, 
Immediate Resources, 


32,134 54 




$648,306 63 


$648,306 63 


Immediate Liabilities, . 


$347,890 43 


$188,523 48 



Overdue or Suspended Paper, None. 

Stock owned by Directors, 

Amount of Directors' Liabilities, .... 
Largest indebtedness of any one individual or company, 
Highest Loan at any one time during the past year,* 
Annual Expenses, 



211 shares. 

$38,158 00 

18,000 00 

531,260 38 

4,000 00 



* Including $100,000 Government Loan. 



44 



BANK COMMISSIONERS' REPORT. 



[Jan. 



SOUTH READING BANK— SOUTH READING. 

[September 26, 1864.] 

Thomas *Emerson, President. Cashier, Lilley Eaton. 



Capital, 


$100,000 00 


Loan, 


$192,867 43 


Circulation, 


84,518 00 


Real Estate, 


— — 


Deposits, . 


27,573 16 


For. Bills and Checks, 


726 00 


Bank Balances, . 


— — 


Bank Balances, 


20,160 53 


Profits on hand, . 


8,580 22 


Specie, 


3,917 42 






Bank of Mut. Red., . 
Immediate Resources, 


3,000 00 




$220,671 38 


$220,671 38 


Immediate Liabilities, . 


$112,091 16 


$24,803 95 



Overdue or Suspended Paper, $2,455.02. Probable loss, $800. 



Stock owned by Directors, ..... 
Amount of Directors' Liabilities, .... 
Largest indebtedness of any one individual or company, 
Highest Loan at any one time during the past year,* 
Annual Expenses, about ...... 



224 shares. 

$56,517 59 

20,706 00 

210,295 39 

1,800 00 



* None of it Government Loan. 



BANK OF BRIGHTON— BRIGHTON. 

[September 29, 1864.] 



UfliUUHlJ J. XXiJUJjijTO, J. 1 




uuo/ac/ . v>n^i.j\i>r.o v^. 


XX <J 1 V^JXAIA OU11 . 


Capital, 


$200,000 00 


Loan,* 


$450,301 89 


Circulation, 


195,369 00 


Real Estate, 


5,000 00 


Deposits, . ... 


75,166 81 


For. Bills and Checks, 


5,224 35 


Bank Balances, . 


— — 


Bank Balances, 


18,730 51 


Profits on hand, . 


28,741 09 


Specie, 


17,020 15 






Bank of Mut. Red., . 
Immediate Resources, 


3,000 00 




$499,276 90 


$499,276 90 


Immediate Liabilities, . 


$270,535 81 


$40,975 01 



Overdue or Suspended Paper, $1,745.33. No loss anticipated. 
Stock owned by Directors, 212 shares. 



Amount of Directors' Liabilities, .... 
Largest indebtedness of any one individual or company, 
Highest Loan at any one time during the past year, . 
Annual Expenses, ....... 



$69,918 00 
35,900 00 

Not stated. 
$3,900 00 



* Including $44,000 U. S. Loan, and $16,000 State Loan. 



1865.] 



PUBLIC DOCUMENT— No. 8. 



45 



METACOMET BANK— FALL RIVER. 

[October 5, 1864.] 

Jefferson Borden, President. Cashier, Azariah S. Tripp. 



Capital, 


$600,000 00 


Loan, 


$994,217 32 


Circulation, 


298,658 00 


Real Estate, 


— — 


Deposits, . 


103,090 36 


For. Bills and Checks, 


• 17,918 66 


Bank Balances, . 


4,H5 77 


Bank Balances, 


45,000 43 


Profits on hand, . 


61,296 56 


Specie, 

Immediate Resources, ; 


10,024 28 




$1,067,160 69 


$1,067,160 69 


Immediate Liabilities, . 


$405,864: 13 


$72,943 37 



Overdue or Suspended Paper, $101.54. Probable loss, $25. 



Stock owned bv Directors, 

Amount of Directors' Liabilities, .... 
Largest indebtedness of any one individual or company, 
Highest Loan at any one time during the past year,* 
Annual Expenses, . . . 



303 shares. 

$162,900 00 

77,100 00 

1,032,837 35 

3,225 00 



* Including $444,594 Government Loan. 



FALL RIVER UNION BANK— FALL RIVER. 

[October 5, 1864.] 

Nathaniel B. Borden, President. Cashier, D. A. Chapin. 



Capital, 


$200,000 00 


Loan, 


$287,093 63 


Circulation, 


96,323 25 


For. Bills and Checks, 


4,139 18 


Deposits, . 


24,900 92 


Bank Balances, 


28,266 46 


Bank Balances, . 


171 60 


Specie, 


3,098 88 


Profits on hand, . 


. 5,202 38 


BankofMut. Red., . 
Immediate Resources, 


4,000 00 




$326,598 15 


$326,598 15 


Immediate Liabilities, . 


$121,395 77 


$35,504 52 



Overdue or Suspended Paper, $14,064.70. Probable loss, $1,200. 
Stock owned by Directors, 198 shares. 



Amount of Directors' Liabilities, .... 
Largest indebtedness of any one individual or company, 
Highest Loan at any one time during the past year,* 
Annual Expenses, about 



$81,198 33 

55,379 93 

289,114 63 

1,600 00 



* Including $98,000 Government Loan. 



46 



BANK COMMISSIONERS' REPORT. 



[Jan. 



POCASSET BANK— FALL RIVER. 

[October 6, 1864.] 

Samuel Hathaway, President. Cashier, Edward E. Hathaway. 



Capital, 


$200,000 00 


Loan, 


$294,182 27 


Circulation, 


89,265 00 


For. Bills and Checks, 


2,940 12 


Deposits, 


54,958 74 


Bank Balances, 


45,078 99 


Bank Balances, . 


1,772 05 


Specie, 


5,291 44 


Profits on hand, . 


5,497 03 


Bank of Mut. Red., . 
Immediate Resources, 


4,000 00 


9 


$351,492 82 


$351,492 82 


Immediate Liabilities, . 


$145,995 79 


$53,310 55 



Overdue or Suspended Paper, $13,816.25. Probable loss, Nothing. 
Stock owned by Directors, 133 shares. 



Amount of Directors' Liabilities, .... 
Largest indebtedness of any one individual or company, 
Highest Loan at any one time during the past year,* 
Annual Expenses, ...... 



* 



$18,145 00 

30,604 23 

329,980 70 

1,500 00 



* Including $147,934.38 Government Loan. 



MERCHANTS' BANK— NEW BEDFORD. 

[October 6, 1864.] 

Charles R. Tucker, President. Cashier, Peleg C. Howland. 



Capital, 


$600,000 00 


Loan, 


$1,636,305 74 


Circulation, 


531,231 00 


Real Estate, 


5,000 00 


Deposits, . 


443,852 74 


For. Bills and Checks, 


5,458 52 


Bank Balances, . 


3,174 54 


Bank Balances, 


88,962 91 


Profits on hand, . 


177,279 51 


Specie, 

Immediate Resources, 


19,810 62 




$1,755,537 79 


$1,755,537 79 


Immediate Liabilities, . 


$978,258 28 


$114,232 05 



Overdue or Suspended Paper, None. 

Stock owned by Directors, 

Amount of Directors' Liabilities, .... 
Largest indebtedness of any one individual or company, 
Highest Loan at any one time during the past year,* 
Annual Expenses, about 



212 shares. 

$53,437 43 

78,000 00 

1,646,441 16 

7,500 00 



* Including $600,000 Government Loan. 



1865.] 



PUBLIC DOCUMENT— No. 8. 



47 



MECHANICS' BANK— NEW BEDFORD. 

[October 7, 1864.] 

Thomas Mandell, President. Cashier, Eliphalet W. Hervey. 



Capital, 


$600,000 00 


Loan,* 


$1,206,231 43 


Circulation, 


368,136 00 


Real Estate, 


7,000 00 


Deposits, . 


285,472 32 


For. Bills and Checks, 


13,503 53 


Bank Balances, . 


480 29 


Bank Balances, 


68,000 09 


Profits on hand, . 


43,254 87 


Specie, 

Immediate Resources, 


2,608 43 




$1,297,343 48 


$1,297,343 48 


Immediate Liabilities, . 


$654,088 61 


$84,212 05 



Overdue or Suspended Paper, $1,613.36. Probable loss, Nothing. 



Stock owned by Directors, ..... 
Amount of Directors' Liabilities, .... 
Largest indebtedness of any one individual or company, 
Highest Loan at any one time during the past year, . 
Annual Expenses, ....... 



171 shares. 

$31,048 79 

81,965 00 

1,225,242 51 

4,700 00 



* Including $571,000 U. S. Loan, and $25,000 State Loan. 



CITY BANK OF LYNN— LYNN. 

[October 12, 1864.] 

Amos P. Tapley, President. Cashier, B. Y. French. 



Capital, 


$150,000 00 


Loan, 


$333,124 84 


Circulation, 


141,408 00 


Real Estate, 


— — 


Deposits, 


112,589 28 


For. Bills and Checks, 


11,312 93 


Bank Balances, . 


7,453 26 


Bank Balances, 


75,927 27 


Profits on hand, . 


15,450 97 


Specie, 


6,536 47 




$426,901 51 


$426,901 51 


Immediate Liabilities, . 


$261,450 54 


Immediate Resources, 


$93,776 67 



Overdue or Suspended Paper, None. 
Stock owned by Directors, ..... 
Amount of Directors' Liabilities, .... 
Largest indebtedness of any one individual or company, 
Highest Loan at any one time during the past year,* 
Annual Expenses, about 



103 shares. 

$33,580 00 

23,367 00 

376,784 58 

3,000 00 



* Including $130,000 Government Loan. 



48 



BANK COMMISSIONERS' REPORT. 



[Jan. 



NORTH BRIDGEWATER BANK— NORTH BRIDGEWATER. 

[October 28, 1864.] 

Martin Wales, President. Cashier, Rufus P. Kingman. 



Capital, 


$100,000 00 


Loan,* 


$234,628 27 


Circulation, 


88,580 00 


Real Estate, 


— — 


Deposits, . 


57,241 73 


For. Bills and Checks, 


8,081 83 


Bank Balances, . 


— — 


Bank Balances, 


26,526 65 


Profits on hand, . 


29,184 10 


Specie, 

Immediate Resources, 


5,769 08 


» 


$275,005 83 


$275,005 83 


Immediate Liabilities, . 


$145,821 73 


$40,377 56 



Overdue or Suspended Paper, None. 
Stock owned by Directors, ..... 
Amount of Directors' Liabilities, .... 
Largest indebtedness of any one individual or company, 
Highest Loan at any one time during the past year, 
Annual Expenses, about ...... 



281 shares. 

Nothing. 
$7,848 69. 
249,375 98 

2,300 00 



* Including $127,400 U. S. Loan, and $30,000 Loan to State. 



TRADERS' BANK— BOSTON. 

[December 7, 1864.] 

Benjamin B. Williams, President. Cashier, Frederick S. Davis. 



Capital, 


$600,000 00 


Loan, 


$1,432,839 12 


Circulation, 


314,502 00 


Real Estate, 


3,000 00 


Deposits, . 


378,117 96 


For. Bills and Checks, 


123,894 00 


Bank Balances, . 


343,935 11 


Bank Balances, 


51,236 50 


Profits on hand, . 


25,808 05 


Specie, 


46,393 50 






Bank of Mut. Red., . 
Immediate Resources, 


5,000 00 




$1,662,363 12 


$1,662,363 12 


Immediate Liabilities, . 


$1,036,555 07 


$221,524 00 



Overdue or Suspended Paper, $30,000. Probable loss, $10,000. 
Stock owned by Directors, . 145 shares. 



Amount of Directors' Liabilities, .... 
Largest indebtedness of any one individual or company, 
Highest Loan at any one time during the past year, 
Annual Expenses, 



$174,950 00 

111,800 00 

1,493,084 45 

11,800 00 



1865.] 



PUBLIC DOCUMENT— No. 8. 



49 



WAMESIT BANK— LOWELL. 

[December 12, 1864.] 

Wm. A. Richardson, President. Cashier, John H. Buttrick. 



Capital, 


$150,000 00 


Loan, 


$389,686 14 


Circulation, 


140,443 00 


Real Estate, 


2,500 00 


Deposits, 


116,135 49 


For. Bills and Checks, 


12,844 72 


Bank Balances, . 


— - 


Bank Balances, 


. 10,547 77 


Profits on hand, . 


10,997 37 


Specie, 

Immediate Resources, 


1,997 23 




$417,575 86 


$417,575 86 


Immediate Liabilities, . 


$256,578 49 


$25,389 72 



Overdue or Suspended Paper, $10,378.79. Probable loss, $500. 



Stock owned by Directors, 

Amount of Directors' Liabilities, . 
Largest indebtedness of any one individual or company, 
Highest Loan at any one time during the past year,* 
Annual Expenses, about 



217 shares. 
$18,613 11 
109,885 88 
405,338 05 
2,700 00 



* Including $107,900 Government Loan. 



50 



BANK COMMISSIONERS' REPORT. 



[Jan. 



SAVINGS BANK S. 

The number of savings banks in the Commonwealth at the 
date of our last Report was ninety-five. Five new institutions 
were incorporated by the legislature of 1864, two of which, 
the Eliot Five Cents Savings Bank, in Roxbury, and the North 
Easton Savings Bank, in Easton, have gone into operation 
during the past year. These, with the Mercantile Savings 
Institution, in Boston, which is now doing business under its 
Act of incorporation, make the present number of savings insti- 
tutions in the Commonwealth, ninety-eight. Two others of 
those chartered by the last legislature have been organized, as 
we are informed, and propose to commence business early in 
the ensuing year. 

The whole number of depositors, according to returns made 
by ninety-seven savings banks, is 291,616 ; and the amount of 
their deposits is $62,557,604.30. 

The institutions examined by the Commissioners since 
September 30, 1863, are the following : — 

Savings Institutions Examined — 1863-4. 



NAME, 



Place. 



Date of 
Examination. 



Abington Savings Bank, 

Andover Savings Bank, 

Boston Five Cents Savings Bank, . 

Brighton Five Cents Savings Bank, 

Bristol County Savings Bank, 

Canton Institution for Savings, 

Cape Ann Savings Bank, 

Cape Cod Five Cents Savings Bank, 

Charlestown Five Cents Savings Bank, 

Chelsea Savings Bank, . 

Citizens' Savings Bank, . 

City Institution for Savings, . 

Cohasset Savings Bank, 

Essex Savings Bank, 

Fairhaven Institution for Savings, 

Fall River Savings Bank, 

Fitchburg Savings Bank, 



Abington, . 
Andover, . 
Boston, 
Brighton, . 
Taunton, . 
Canton, 
Gloucester, 
Harwich, . 
Charlestown, 
Chelsea, . 
Fall River, 
Lowell, 
Cohasset, . 
Lawrence, 
Fairhaven, 
Fall River, 
Fitchburg, 



April 

May 

Jan. 

Sept. 

Dec. 

April 

Aug. 

July 

Oct. 

Oct. 

Oct. 

Nov. 

Sept. 

Oct. 

Aug. 

May 

Sept. 



22, 1864. 
24, " 
26, 
29, 

5, 

8, 
18, 
20, 
22, 
17, 

6, 
10, 1863. 

5, 1864. 
28, 1863. 
31, 1864. 
10, " 
22, " 



u 

a 
u 
<( 
u 
u 
a 
u 
u 



1865.1 



PUBLIC DOCUMENT— No. 8, 



51 



Institutions Examined — Concluded. 



NAME. 



Place. 



Date of 
Examination. 



Framingham Savings Bank, . 

Franklin Savings Bank, 

Franklin Savings Institution, - 

Hampden Savings Bank, 

Haverhill Savings Bank, 

Hingham Institution for Savings, 

Holyoke Savings Bank, 

Institution for Savings in the Town of 

Barnstable, .... 

Institution for Savings in the Town of 

Wellfleet, . 
Lowell Institution for Savings, 
Lynn Five Cents Savings Bank, 
Mechanics' Savings Bank, 
Mercantile Savings Institution, 
Milford Savings Bank, . 
Millbury Savings Bank, 
Natick Five Cents Savings Bank, 
New Bedford Five Cents Savings Bank 
New Bedford Institution for Savings, 
Newburyport Five Cents Savings Bank 
North Bridgewater Savings Bank, 
Plymouth Five Cents Savings Bank, 
Plymouth Savings Bank, 
Provident Institution for Savings in the 

Towns of Salisbury and Amesbury, 
Randolph Savings Bank, 
Salem Savings Bank, 
Scituate Savings Bank, . 
South Boston Savings Bank, . 
South Scituate Savings Bank, 
Springfield Five Cents Savings Bank, 
Stoneham Five Cents Savings Bank, 
Suffolk Savings Bank, for Seamen and 

others, ..... 
Wareham Savings Bank, 
Warren Five Cents Savings Bank, 
Weymouth and Braintree Institution for 

Savings, ..... 
Woburn Five Cents Savings Bank, 



Framingham, 
Boston, 
Greenfield, 
Springfield, 
Haverhill, . 
Hingham, . 
Holyoke, . 

Barnstable, 

Wellfleet, 

Lowell, 

Lynn, 

Lowell, 

Boston, 

Milford, 

Millbury, 

Natick, 

New Bedford, 

New Bedford, 

Newburyport, 

N. Bridgewater 

Plymouth, . 

Plymouth, . 

Salisbury, . 
Randolph, 
Salem, 
Scituate, . 
Boston, 

South Scituate, 
Springfield, 
Stoneham, 

Boston, 
Wareham, 
South Danvers, 

Weymouth, 
Woburn, . 



April 20, 1864. 

May 23, " 

June 16, " 

June 15, " 

May 25, " 

Aug. 30, " 
May 3, 



a 



July 21, " 

July 19, " 

Nov. 10, 1863. 

Oct. 12, 1864. 

April 14, " 
May 5, 
July 13, 

Nov. 17, " 

June 2, " 

Oct. 7, " 

Oct. 7, " 

June 11, " 

Oct. 28, " 

May 31, " 

May 31, '*• 



u 



May 20, " 

Sept. 16, " 

Nov. 22, " 

Sept. 6, " 

Sept. 14, " 

Sept. 6, " 

June 8, " 

Nov. 21, " 

Mar. 18, " 

June 1, " 

April 6, " 

May 17, " 

July 5, " 



The general condition of the above named institutions, at the 
time of examination, will appear in the following Abstracts : — 



•■ 



52 



BANK COMMISSIONERS' REPORT. 



[Jan. 



George D. 



ESSEX SAVINGS BANK— LAWRENCE. 

[October 28, 1863.] 

Cabot, President. Treasurer, Nathaniel White. 



Deposits, . . . 


$477,587 65 




Profit and Loss, 


3,269 04 




Interest, ....... 


13,796 25 




Public Funds, 




$150,000 00 


Bank Stock, ...... 




134,850 00 


Loans on Bank Stock, .... 




2,500 00 


on Real Estate, .... 




91,671 00 


on Personal Security, 




40,935 00 


to Counties, Cities and Towns, 




50,000 00 


Expense Account, ..... 




2,130 07 


Cash on hand, 




22,566 87 




$494,652 94 


$494,652 94 



Number of Depositors, .... 
Rate of ordinary dividends for the last year, . 
Amount of ordinary dividends for the last year, 
Average annual rate of dividends, 
Last dividend of reserved profits, in October, 1862, 
,Extra dividends are made once in ... 

Largest amount invested in the stock of any one bank, 
Average annual Expenses, about .... 



2,656 
4 per cent. 

$15,460 74 
6 t 8 q- per cent. 

$33,799 50 
Five years. 
$19,500 00 
850 00 



CITY INSTITUTION FOR SAVINGS— LOWELL. 

[November 10, 1863.] 

Nathan Allen, President. Treasurer, John A. Buttrtck. 



Deposits, 


$1,654,538 46 




Profits, ....... 


20,294 89 




Public Funds, 




$266,012 50 


Bank Stock, ...... 




263,075 00 


Loans on Public Funds, .... 




2,000 00 


on Bank Stock, .... 


/ 


11,150 00 


on Real Estate, .... 




606,740 00 


on Personal Security, 




134,430 00 


to Counties, Cities and Towns, 




345,200 00 


to Banks, on interest, 




45,000 00 


Expense Account, 




1,027 13 


Cash on hand, 




198 72 




$1,674,833 35 


$1,674,833 35 



Number of Depositors, .... 
Rate of ordinary dividends for the last year, . 
Amount of ordinary dividends for the last year, 
Average annual rate of dividends, 
Last dividend of reserved profits, in January, 1863, 
Extra dividends are made once in . . . 
Largest amount invested in the stock of any one bank, 
Average annual expenses, about .... 



6,061 
4i per cent. 

$75,877 46 

6 T 8 A- per cent. 

$73,403 10 

Five years. 

$25,000 00 

3,100 00 



1865.] 



PUBLIC DOCUMENT— No. 8. 



53 



LOWELL INSTITUTION FOR SAVINGS— LOWELL. 

[November 10, 1863.] 

Theodore Edson, President. Treasurer, James G. Carnet. 



Deposits, . 


• ■ 


• • • 


$1,079,743 13 




Profits, 


• < 


t • • • 


87,764 25 




Interest, 


• t 


i • • • 


6,341 08 




Public Funds, . 


• 


i • • • 




$504,000 00 


Bank Stock, 


• < 


i • • • 




262,360 00 


Real Estate, 


• 


> • • • 




20,334 06 


Loans on Real Estate, 


i • • • 




82,170 36 


to Counties, 


Cities and Towns, 




281,925 00 


to Banks, or 


i interes 


t, . 




19,000 00 


Cash on hand, . 


• i 


» • • • 




4,059 04 




$1,173,848 46 


$1,173,848 46 



Number of Depositors, 

Rate of ordinary dividends for the last year, . 

Amount of ordinary dividends for the last year, 

Average annual rate of dividends, . 

Last dividend of reserved profits, in May, 1860, 

Extra dividends are made once in . 

Largest amount invested in the stock of any one bank, 

Average annual expenses, about .... 



4,638 
4 per cent. 
$40,177 41 

^To 6 o P er cent - 

$128,819 03 
Five years. 
$53,600 00 
2,900 00 



BOSTON FIVE CENTS SAVINGS BANK— BOSTON. 

[January 26, 1864.] 

Paul Adams, President. Treasurer, Alonzo H. Evans. 



Deposits, ....... 


$4,330,404 46 




Profit and Loss, . 








30,550 32 




Interest, . 








88,290 19 




Suspense Account, 








90 80 




Public Funds, . 










$1,473,600 00 


Bank Stock, 










307,542 00 


Real Estate, 










85,456 79 


Loans on Public Funds, 










265,000 00 


on Bank Stock, 










16,100 00 


on Real Estate, 










1,568,550 00 


on Personal Security, 








142,700 00 


to Counties and Towns, 








295,700 00 


to Banks, on interest, 








282,918 15 


Expense Account, 








11,673 78 


Cash on hand, . 








95 05 










$4,449,335 77 


$4,449,335 77 



Number of Depositors, ..... 

Rate of ordinary dividends for the last year, . 

Amount of ordinary dividends for the last year, 

Average annual rate of dividends, . 

Last dividend of reserved profits, in April, 1859, 

Extra dividends are made once in . 

Largest amount invested in the stock of any one bank, 

Average annual expenses, ..... 



32,473 

4| per cent. 

$154,030 38 
7 per cent. 

$35,217 50 
Five years. 
$33,340 75 
12,987 00 



54 



BANK COMMISSIONERS' REPORT. 



[Jan. 



SUFFOLK SAVINGS B'K FOR SEAMEN AND OTHERS— BOSTON. 

[March 18, 1864.] 

Thomas Lamb, President. Treasurer, Charles Henry Parker. 



Deposits, . 

Profit and Loss, 

Guarantee Account, 

Public Funds, . 

Bank Stock, 

Loans on Public Funds, 

on Bank Stock, 

on Real Estate, 

on Personal Security, 

to Counties, Cities and Towns, 
Expense Account, 
Cash on hand, . 



$3,924,272 61 
35,526 69 
59,156 56 



$4,018,955 86 



$1,681,100 00 

380,075 00 

170,000 00 

15,000 00 

1,239,500 00 

410,500 00 

90,000 00 

4,567 36 

28,213 50 



$4,018,955 86 



Number of Depositors, . . ... 

Rate of ordinary dividends for the last year, . 

Amount of ordinary dividends for the last year, 

Average annual rate of dividends, . 

Last dividend of reserved profits, in April, 1863, 

Extra dividends are made once in . 

Largest amount invested in the stock of any one bank, 

Average annual expenses, ..... 



12,710 
4 per cent. 

$126,240 41 
7 per cent. 

$287,708 09 
Five years. 
$53,200 00 
11,060 65 



WARREN FF^ CENTS SAYINGS BANK— SOUTH DANYERS. 

[April 6, 1864.] 

George Osborne, President Treasurer, Francis Baker. 



Deposits, . 

Profits, . . 

Public Funds, . 

Bank Stock, 

Loans on Real Estate, 

on Personal Security, 

to Counties, Cities and Towns, 

Cash on hand, 



$198,660 14 
9,663 37 



$208,323 51 



$66,706 25 
60,433 41 
50,800 00 
4,800 00 
15,000 00 
10,583 85 



$208,323 51 



Number of Depositors, ...... 

Rate of ordinary dividends for the last year, . 
Amount of ordinary dividends for the last year, 
Average annual rate of dividends, .... 

Last dividend of reserved profits, in November, 1859, 
Extra dividends are made once in . 
Largest amount invested in the stock of any one bank, 
Average annual expenses, about .... 



1,297 
5 per cent. 

$7,747 13 
7 per cent. 

$2,891 80 
Five years. 
$11,750 00 
260 00 



1865.] 



PUBLIC DOCUMENT— No. 8. 



55 



CANTON INSTITUTION FOR SAVINGS— CANTON. 

[April 8, 1864.] 

Charles H. French, President. Treasurer, Francis W. Deane. 



Deposits, . . . 


$96,363 48 




Interest, .... 






6,852 86 




Rents, .... 






142 50 




Public Funds, . 








$13,100 00 


Bank Stock, .... 








5,050 00 


Real Estate, 








1,212 24 


Loans on Real Estate, 








66,057 00 


on Personal Security, 








8,971 00 


to Towns, 








3,322 55 


State Tax, 








360 66 


Expense Account, 








149 57 


Cash on hand, .... 








5,135 82 








$103,358 84 


$103,358 84 



Number of Depositors, 

Rate of ordinary dividends for the last year, . 

Amount of ordinary dividends for the last year, about 

Average annual rate of dividends, about 

Last dividend of reserved profits, in April, 1860, . 

Extra dividends are made once in . 

Largest amount invested in the stock of any one bank, 

Average annual expenses, about .... 



549 
4 per cent. 

$3,691 09 
7 per cent. 

$3,149 60 
Five years. 

$3,200 00 
340 00 



MECHANICS' SAYINGS BANK— LOWELL. 

[April 14, 1864.] 

William A. Burke, President. Treasurer, John F. Rogers. 



Deposits, 


• •••••• 


$193,868 36 




Interest, 


• • • • t 






6,401 33 




Public Fi 


mds, .... 


• 






$125,550 00 


Bank Stock, . 






- 


56,400 00 


Loans on 


Public Funds, 








— — 


on 


Bank Stock, 








— — 


on 


Real Estate, 








13,050 00 


on 


Personal Security, 








1,760 00 


Expense 


Account, 








77 00 


Cash on ] 


aand, . 








3,432 69 










$200,269 69 


$200,269 69 



Number of Depositors, 

Rate of ordinary dividends for the last year, . 
Amount of ordinary dividends for the last year, 
First dividend of reserved profits, is to be made in 
Largest amount invested in the stock of any one bank, 
Average annual expenses, 



759 
5 per cent. 

$6,532 35 
June, 1864. 

$6,800 00 
350 00 



56 



BANK COMMISSIONERS' REPORT. 



[Jan. 



FRAMINGHAM SAVINGS BANK— FRAMINGHAM. 

[April 20, 1864.] 

Moses Edgell President. Treasurer, Coleman S. Adams. 



Deposits, ....... 


$315,706 57 




Profit and Loss, ...... 


8,369 26 




Public Funds, ...... 




$91,000 00 


Bank Stock, ...... 




78,600 00 


Real Estate, 




1,500 00 


Loans on Public Funds, .... 




250 00 


on Bank Stock, .... 




1,577 00 


on Real Estate, .... 




104,669 50 


on Personal Security, 




12,430 00 


to Counties, Cities and Towns, 




21,350 00 


Expense Account, ..... 




270 19 


Cash on hand, 




12,429 14 




$324,075 83 


$324,075 83 



Number of Depositors, ..... 

Rate of ordinary dividends for the last year, . 

Amount of ordinary dividends for the last year, 

Average annual rate of dividends, . 

Last dividend of reserved profits, in May, 1861, 

Extra dividends are made once in . 

Largest amount invested in the stock of any one bank, 

Average annual expenses, ..... 



1,519 
5 per cent. 
$12,066 17 

6*tVo P er cent. 

$12,155 59 
Five years. 

$16,500 00 
850 00 



ABINGTON SAVINGS BANK— ABINGTON. 

[April 22, 1864.] 

Jenkins Lane, President. Treasurer, Judson N. Farrar. 



Deposits, ....... 


$246,325 38 




Profits, 


1,619 59 




Public Funds, 




$66,924 16 


Bank Stock, 




29,282 50 


Loans on Bank Stock, .... 




600 00 


on Real Estate, .... 




127,761 00 


on Personal Security, 




12,383 90 


to Counties, Cities and Towns, 




7,700 00 


Expense Account, 




381 10 


Cash on hand, ...... 




2,912 31 




$247,944 97 


$247,944 97 



Number of Depositors, 

Rate of ordinary dividends for the last year, . 

Amount of ordinary dividends for the last year, 

Average annual rate of dividends, about 

Last dividend of reserved profits, in July, 1863, 

Extra dividends are made once in . 

Largest amount invested in the stock of any one bank, 

Average annual expenses, about .... 



1,319 
5 per cent. 

$9,491 17 
64 per cent. 

$4,410 79 
Five years. 

$7,100 00 
400 00 



1865.] 



public document—no. 8. 



57 



HOLYOKE SAVINGS BANK— HOLYOKE. 

[May 3, 1864.] 

Joel Russell, President. Treasurer, Gustavus Snow. 



Deposits, 

Profits, . 

Public Funds, . 

Bank Stock, . 

Loans on Public Funds, &c, 






$58,009 63 
2,195 78 


$8,000 00 

10,870 75 

592 00 


on Real Estate, 








15,140 00 


on Personal Security, 

to Towns, 
Expense Account, 
Cash on hand, . 








8,925 00 

14,275 00 

333 13 

2,069 53 








$60,205 41 


$60,205 41 



Number of Depositors, ...... 

Rate of ordinary dividends for the last year, . 
Amount of ordinary dividends for the last year, 
Average annual rate of dividends, .... 

Last dividend of reserved profits, in October, 1860, 
Extra dividends are made once in . 
Largest amount invested in the stock of any one bank, 
Average annual expenses, about .... 



407 00 
5 per cent. 

$2,269 06 
6A 8 -j per cent. 

$417 42 
Five years. 

$5,525 25 
180 00 



MERCANTILE SAVINGS INSTITUTION— BOSTON. 

[May 5, 1864.] 

Richard Holmes, President. Treasurer, Anson J. Stone. 



Capital Stock, 


$205,303 45 




Deposits, 


116,756 02 




Profits, ....... 


4,794 79 




Suspense Account, ..... 


8,158 91 




Public Funds, (United States Stocks,) 




$123,100 00 


Interest on Public Funds, .... 


• 


3,186 26 


Bank Stock, 




1,500 00 


Loans on Real Estate, .... 




177,470 12 


Uncollected Interest on ditto., 




10,122 75 


Sundry additional charges to ditto., . 




2,067 90 


Loans on Personal Security, 




6,844 82 


Cash on hand, 




10,721 32 




$335,013 17 


$335,013 17 



Number of Depositors, . . . . . . . . 514 

Rate of ordinary dividends for the last year, on deposits, . 5 per cent. 

Rate of ordinary dividends for the last year, on capital stock, 9 per cent. 

Amount of ordinary dividends for the last year, on deposits, . $4,713 00 

Amount of ordinary dividends for the last year, on capital stock, 18,252 60 
No extra dividend has yet been made. 

Largest amount invested in the stock of any one bank, . . 1,000 00 

Expenses for 13 months, 3,432 56 



8 



58 



BANK COMMISSIONERS' REPORT. 



[Jan. 



FALL RIVER SAVINGS BANK— FALL RIVER. 

[May 10, 1864.] 

Nathaniel B. Borden. President. Treasurer, Joseph F. Lindsey. 



Deposits, ....... 


$1,862,382 63 




Profits, .... 






86,368 54 




Public Funds, . 








$729,100 00 


Bank Stock, 








510,762 50 


Real Estate, 








— — 


Loans on Public Funds, 








— — 


on Bank Stock, 








— — 


on Real Estate, 








170,456 35 


on Personal Security, 






500,468 26 


to Counties, Cities and Towns, 




15,000 00 


Cash on hand, 




22,964 06 








$1,948,751 17 


$1,948,751 17 



Number of Depositors, 

Rate of ordinary dividends for the last year, . 
Amount of ordinary dividends for the last year, 
Extra dividends are never made. 
Largest amount invested in the stock of any one bank, 
Average annual expenses, about .... 



5,769 
5| per cent. 
$99,723 23 

75,600 00 
3,300 00 



WEYMOUTH AND BRAINTREE INSTITUTION FOR SAVINGS— 

WEYMOUTH. 

[May 17, 1864.] 

E. L. White, President. Treasurer, Amos S. White. 



Deposits, . 

Profits, 

Public Funds, 

Bank Stock, 

Real Estate, 

Loans on Public Funds, 
on Bank Stock, 
on Real Estate, 
on Personal Security, 

Cash on hand, . 



$358,573 24 
630 22 



$359,203 46 



$107,500 00 
30,700 00 



191,838 50 

25,258 00 

3,906 96 



$359,203 46 



Number of Depositors, 

Rate of ordinary dividends for the last year, . 
Amount of ordinary dividends for the last year, 
Average annual rate of dividends, .... 
Last dividend of reserved profits, in January, 1864, 
Extra dividends are made once in ... 

Largest amount invested in the stock of any one bank, 
Average annual expenses, about .... 



1,791 

5 per cent. 

$17,350 05 

6 per cent. 

$10,161 21 
Five years. 

$8,900 00 
450 00 



1865.] 



PUBLIC DOCUMENT— No. 8. 



59 



THE PROVIDENT INSTITUTION FOR SAYINGS IN THE TOWNS 
OF SALISBURY AND AMESBURY— SALISBURY. 

[May 20, 1864.] 

Abraham Colby, President. Treasurer, Thomas J. Clark. 



Deposits, 


$431,883 19 




Profit and Loss, 


3,000 00 




Interest, 


6,020 86 




Public Funds, . . ... 




$127,000 00 


Bank Stock, ...... 




97,295 00 


Real Estate, 




4,500 00 


Loans on Public Funds, .... 




2,300 00 


on Bank and other Stocks, 




400 00 


on Real Estate, .... 




58,025 00 


on Personal Security, 




41,170 00 


to Counties, Cities and Towns, 




101,900 00 


to Banks, on interest, 




7,000 00 


Expense Account, 




412 74 


Cash on hand, ...... 


• 


901 31 




$440,904 05 


$440,904 05 



Number of Depositors, ...... 

Rate of ordinary dividends for the last year, . 
Amount of ordinary dividends for the last year, 
Average annual rate of dividends, .... 

Last dividend of reserved profits, in October, 1855, 
Largest amount invested in the stock of any one bank, 
Average annual expenses, 



2,178 

54 per cent. 

$21,528 

6 per cent. 

$2,920 

5,000 00 

610 00 



96 



75 



FRANKLIN SAVINGS BANK— BOSTON. 

[May 23, 1864.] 

Osmyn Brewster, President. Treasurer, Henry Whittemore. 



Deposits, ....... 


$320,340 27 




Profits, 






8,483 90 




Interest, ..... 






8,664 91 




Special Deposits, 






1,195 00 




Public Funds, . 








$138,281 25 


Bank Stock, . 








56,225 21 


Loans on Real Estate, 








54,450 00 


on Personal Security, 








54,000 00 


to Commonwealth, . 








25,000 00 


to Banks, on interest, 








9,327 26 


Expense Account, 








400 12 


Tax Account, .... 








138 19 


Cash on hand, .... 








862 05 








$338,684 08 


$338,684 08 



Number of Depositors, .... 
Rate of ordinary dividends for the last year, . 
Amount of ordinary dividends for the last year, 
No dividend of reserved profits has yet been made.* 
Extra dividends are to be made once in . . 

Largest amount invested in the stock of any one bank, 
Average annual expenses, about .... 



1,697 
4 per cent. 

$3,922 00 

Three years. 
$14,417 75 
1,900 00 



' This institution has been in operation less than three years. 



60 



BANK COMMISSIONERS' REPORT. 



[Jan. 



ANDOVER SAVINGS BANK— ANDOVER. 

[May 24, 1864.] 

Nathaniel Swift, President. Treasurer, John Flint. 



Deposits, .... 


■ • « 


$372,340 92 




Profits, . . ... 


• • • 


34,306 46 




Public Funds, . 


• • • 




$140,000 00 


Bank Stock, 


• • • 




68,000 00 


Loans on Public Funds, 


• • • 




2,000 00 


on Real Estate, 


• • • 




161,331 20 


on Personal Security, 


• • • 




11,750 00 


to Counties, Cities and Towns, 




14,500 00 


to Banks, on interest, 


• • • 




3,000 00 


Cash on hand, . 


• • • 




6,066 18 




$406,647 38 


$406,647 38 



Number of Depositors, .* 

Rate of ordinary dividends for the last year, . 

Amount of ordinary dividends for the last year, 

Average annual rate of dividends, . 

Last dividend of reserved profits, in December, 1860, 

Extra dividends are made once in . 

Largest amount invested in the stock of any one bank, 

Average annual expenses, about .... 



1,657 
4 per cent. 

$13,692 10 
6 per cent. 

$10,528 41 
Five years. 
$15,000 00 
600 00 



HAVERHILL SAVINGS BANK— HAVERHILL. 

[May 25, 1864.] 

John A. Appleton, President. Treasurer, James Gale. 



Deposits, . 




i • • • 


$1,022,402 31 




Profit and Loss, . 




i • • • 


30,000 00 




Interest, 




i • • • 


4,292 34 




Public Funds, . 




► • • • 




$280,000 00 


Bank Stock, 




\ 

i • • • 




242,500 00 


Loans on Bank Stock, 




i • • • 




34,500 00 


on Real Estate, 




• • • • 




461,300 00 


on Personal Security 


J • • ' • 




1,000 00 


to Counties, Citie 


s a 


rid Towns, 




21,000 00 


Expense Account, 




• • • • 




325 25 


Cash on hand, . 




• • • • 




16,069 40 




$1,056,694 65 


$1,056,694 65 



Number of Depositors, ...... 

Rate of ordinary dividends for the last year, . 
Amount of ordinary dividends for the last year, 
Average annual rate of dividends, . . .• 
Last dividend of reserved profits, in October, 1859, 
Extra dividends are made once in . 
Largest amount invested in the stock of any one bank, 
Annual expenses, (for the last year,) 



4,747 
5 per cent. 

$44,860 16 
7 per cent. 

$44,675 22 
Five years. 
$24,000 00 
1,575 00 



1865.] 



PUBLIC DOCUMENT— No. 8. 



61 



PLYMOUTH SAVINGS BANK— PLYMOUTH. 

[May 31, 1864.] 

Nathaniel Russell, President. Treasurer, Allen Danforth. 



Deposits, 


$1,079,995 76 




Profits, .... 


» • • • 


29,088 50 




Suspense Account, 


» • • • 


1,029 64 




Public Funds, . 


• • • 




$329,529 38 


Bank Stock, 


» ■ • • 




328,622 00 


Real Estate, 


» • • • 


\ 


8,721 43 


Loans on Public Funds, 


► • • • 




6,570 00 


on Bank Stock, 


» • • • 




19,080 00 


on Railroad Stock, 


* • • • 




1,900 00 


on Real Estate, 


» • • • 




307,735 00 


on Personal Security, 




40,857 02 


to Counties, Cities and Towns, 




54,278 45 


to Banks, on interest, 




11,377 32 


Expense Account, 




1,199 53 


Cash on hand, 




243 77 






$1,110,113 90 


$1,110,113 90 



Number of Depositors, 

Rate of ordinary dividends for the last year, . 
Amount of ordinary dividends for the last year, 
Average annual rate of dividends, .... 
Last dividend of reserved profits, in January, 1864, 
Extra dividends have been made once in 
Largest amount invested in the stock of any one bank, 
Average annual expenses, last five years, 



5,333 

5 per cent. 

$48,636 

6-| per cent. 

$28,262 

Five years. 

$22,500 

2,696 



41 
17 

00 

29 



PLYMOUTH FIVE CENTS SAVINGS BANK— PLYMOUTH. 

[May 31, 1864.] 

Robert B. Hall, President. Treasurer, Daniel J. Bobbins. 



Deposits, 


$61,693 92 




Profits, 






2,315 97 




Public Funds, .... 








$27,773 00 


Bank Stock, .... 




., 




12,653 46 


Loans on Public Funds, 








300 00 


on Bank Stock, 








689 00 


on Real Estate, 








18,597 00 


on Personal Security, 








2,895 00 


Expense Account, 








144 17 


Cash on hand, . 








958 26 








$64,009 89 


$64,009 89 



Number of Depositors, ...... 

Rate of ordinary dividends for the last year, . 
Amount of ordinary dividends for the last year, 
Average annual rate of dividends, . 
No dividend of reserved profits has been made. 
Largest amount invested in the stock of any one bank, 
Average annual expenses, about .... 



754 
. 5 per cent. 

$2,275 40 
. 5 per cent. 

$1,723 00 
380 00 



62 



BANK COMMISSIONERS' REPORT. 



[Jan. 



WAREHAM SAVINGS BANK— WAREHAM. 

[June 1, 1864.] 

Joshua B. Tobey, President. Treasurer, Thomas R. Miles. 



Deposits, ... 


$184,751 80 




Profits, ..... 






14,007 99 




Public Funds, . 








$23,015 24 


Bank Stock, 








103,075 20 


Loans on Public Funds, 








— — 


on Bank Stock, 








17,928 00 


on Real Estate, 








17,145 25 


on Personal Security, 








18,957 09 


Expense Account, 








2 00 


Cash on hand, . 






i 


18,637 01 








$198,759 79 


$198,759 79 



Number of Depositors, .... 

Rate of ordinary dividends for the last year, . 

Amount of ordinary dividends for the last year, 

Extra dividends are not made. 

Largest amount invested in the stock of any one bank, 

Average annual expenses, 



865 
5 per cent. 

.428 69 



15,830 00 
554 65 



NATICK FIVE CENTS SAVINGS BANK— NATICK. 

[June 2, 1864.] 

John Kimball, President. Treasurer, Nathaniel Clark. 



Deposits, ....... 


$30,371 57 




Profits, .... 




1,192 40 




Public Funds, .... 






$3,500 00 


Bank Stock, 






518 75 


Loans on Public Funds, 






— — 


on Bank Stock, 






— — 


on Real Estate, 






13,305 00 


on Personal Security, 






1,250 00 


to Counties, Cities and Towns, 




9,500 00 


Expense Account, (including Safe,) . 




1,103 08 


Cash on hand, 




2,387 14 






$31,563 97 


$31,563 97 



Number of Depositors, .... 

Rate of ordinary dividends for the last year, . 

Amount of ordinary dividends for the last year, 

No dividend of reserved profits has yet been made. 

Extra dividends are to be made once in 

Largest amount invested in the stock of any one bank, 

Average annual expenses, ..... 



* 



398 
4 per cent. 

$742 42 

Five years. 

$518 75 
100 00 



* This institution commenced business in October, 1859. 



1865.] 



PUBLIC DOCUMENT— No. 8. 



63 



SPRINGFIELD FIVE CENTS SAYINGS BANK— SPRINGFIELD. 

[June 8, 1864.] 

Joseph C. Pynchon, President. Treasurer, Daniel J. Marsh. 



Deposits, . 

Profits, 

Public Funds, 

Bank Stock, 

Real Estate, 

Loans on Public Funds, 
on Bank Stock, 
on Real Estate, 
on Personal Security 

Expense Account, 

Cash on hand, . 



$389,678 13 
8,914 76 



$398,592 89 



$188,817 21 
36,082 75 

1,400 00 

161,875 00 

8,400 00 

385 25 

1,632 68 



$398,592 89 



Number of Depositors, 

Rate of ordinary dividends for the last year, . 
Amount of ordinary dividends for the last year, 
Last dividend of reserved profits, in August, 1857, 
Largest amount invested in the stock of any one bank, 
Annual expenses, . . 



3,217 

5 per cent. 

$13,780 54 

2,035 42 

5,780 00 

1,600 00 



NEWBURYPORT FIVE CENTS SAYINGS B'K— NEWBURYPORT. 

[June 11, 1864.] 

David Wood, President. Treasurer, John A. Maynard. 



Deposits, . 

Profits and Loss, 

Interest, 

Public Funds, . 

Bank Stock, 

Loans on Bank Stock 
on Real Estate 
on Personal Security, 
to Cities and Towns, 
to Corporation, 

Expense Account, 

Cash on hand, . 



$220,764 89 
6,395 54 
42 



2,857 



$230,017 85 



$76,242 42 
36,968 88 



65,969 
24,990 
18,562 

3,000 
53 

4,231 



00 
15 

50 

00 
08 
82 



$230,017 85 



Number of Depositors, 

Rate of ordinary dividends for the last year, . 
Amount of ordinary dividends for the last year, 
Average annual rate of dividends, last three years, 
No dividend of reserved profits has ever been made. 
Largest amount invested in the stock of any one bank, 
Average annual expenses, about .... 



2,271 

4-| per cent. 

$9,681 04 
5 per cent. 

$5,838 25 
700 00 



64 



BANK COMMISSIONERS' REPORT. 



[Jan. 



HAMPDEN SAVINGS BANK— SPRINGFIELD. 

[June 15, 1864.] 

Stephen C. Bemis, President. Treasurer, Frederick S. Bailey. 



Deposits, ..... 


$322,827 04 




Profits, ..... 




8,652 38 




Due Agawam Bank, . 




2,060 22 




Public Funds, .... 






$105,395 00 


Bank Stock, .... 






80,490 50 


Loans on Public Funds, 






17,100 00 


on Bank Stock, 






3,000 00 


on Real Estate, 






79,600 00 


on Personal Security, 


> »» . 




33,779 15 


to Cities and Towns, 






14,000 00 


Expense Account, 






174 99 






$333,539 64 


$333,539 64 



Number of Depositors, ...... 

Rate of ordinary dividends for the last year, . 

Amount of ordinary dividends for the last year, 

Average annual rate of dividends, . 

Last dividend of reserved profits, in February, 1863, 

Extra dividends are made once in . 

Largest amount invested in the stock of any one bank, 

Average annual expenses, about .... 



1,182 

5 per cent. 

{$13,692 52 

6 per cent. 

$5,534 75 
Five years. 
$.19,300 00 
750 00 



FRANKLIN SAVINGS INSTITUTION— GREENFIELD. 

[June 16, 1864.] 

Henry W. Clapp, President. Treasurer, William Henry Allen. 



Deposits, ....... 


$802,736 00 




Profits, 


40,617 26 




Interest, ....... 


680 00 




Public Funds, 




$470,000 00 


Bank Stock, ...... 




50,400 00 


Connecticut River Railroad Bonds, . 




20,000 00 


Loans on Bank Stock, .... 




4,200 00 


on Real Estate, .... 




133,285 36 


on Personal Security, 




75,722 00 


to Counties, Cities and Towns, 




49,072 86 


Expense Account, 




42 11 


Cash in Banks, ...... 




37,604 18 


Cash on hand, 




3,706 75 




$844,033 26 


$844,033 26 



Number of Depositors, 

Rate of ordinary dividends for the last year, . 
Amount of ordinary dividends for the last year, 
Average annual rate of dividends, . . . . • 
Last dividend of reserved profits, in January, 1862, 
Extra dividends are made once in . 
Largest amount invested in the stock of any one bank, 
Average annual expenses, . . . 
Average annual expenses, including new safe, 



3,589 

5 per cent. 

$31,848 54 

6 per cent. 

$14,252 55 

Five years. 

$20,400 00 

1,435 00 

2,004 73 



1865.] 



PUBLIC DOCUMENT— No. 8. 



65 



WOBURN FIVE CENTS SAVINGS BANK— WOBUEN. 

[July 5, 1864.] 

Bowen Buckman, President Treasurer, James N. Dow. 



Deposits, . 

Profits, 

Public Funds, . 

Bank Stock, 

Loans on Public Funds, 
on Bank Stock, 
on Real Estate, 
on Personal Security, 

Cash on hand, . 



$77,159 11 
2,398 32 



$79,557 43 



$33,103 80 

9.101 00 

600 00 

22,000 00 

8,650 00 

6.102 63 



$79,557 43 



Number of Depositors, 

Rate of ordinary dividends for the last year, . 

Amount of ordinary dividends for the last year, 

Average annual rate of dividends, 

Last dividend of reserved profits, in July, 1860, 

Extra dividends are usually made once in 

Largest amount invested in the stock of any one bank, 

Average annual expenses, 



1,102 

5 per cent. 

$3,116 32 

6 per cent. 

$809 64 
Three years. 
$4,070 00 
350 00 



MILFORD SAVINGS BANK— MILFORD. 

[July 13, 1864.] 

O. Underwood, President. Treasurer, A. G. Underwood. 



Deposits, 


$173,239 05 




Profits, 






1,799 25 




Public Funds, .... 








$59,000 00 


Bank Stock, 








17,174 00 


Real Estate, .... 








— — 


Loans on Public Funds, 








4,900 00 


on Bank Stock, 








10,234 00 


on Real Estate, 


' 






25,536 00 


on Personal Security, 








11,900 00 


to Counties, Cities and Towns, 




41,500 00 


Cash on hand, ...... 




4,794 30 








$175,038 30 


$175,038 30 



Number of Depositors, . . . 

Rate of ordinary dividends for the last year, . 

Amount of ordinary dividends for the last year, 

Average annual rate of dividends, . 

Last dividend of reserved profits, in May, 1862, 

Extra dividends are made once in . 

Largest amount invested in the stock of any one bank, 

Average annual expenses, ..... 



1,138 
5 per cent. 

$6,607 76 
6i per cent. 

$3,271 45 
Five years. 

$8,366 00 
525 00 



9 



66 



BANK COMMISSIONERS' REPORT. 



[Jan. 



INSTITUTION FOR SAYINGS IN THE TOWN OF WELLFLEET— 

WELLFLEET. 

[July 19, 1864.] 

Richard R. Freeman, President. Treasurer, Simeon Atwood. 



Deposits, .... 


• • • 


$29,206 57 




Profits, .... 


• • • 


811 06 




Public Funds, . 


• • • 




$5,808 83 


Bank Stock, 


• • • 




6,215 75 


Loans on Public Funds, 


• • • 




100 00 


on Real Estate, 


• • • 




4,350 00 


on Personal Security, 


• • • 




6,275 00 


to Counties, Cities and Towns, 




5,500 00 


Expense Account, 


• • • 




38 07 


Cash on hand, . 


• • • 




1,729 98 




$30,017 63 


$30,017 63 



Number of Depositors, 

Rate of ordinary dividends for the last year, . 
Amount of ordinary dividends for the last year, 
No dividend of reserved profits has been made.* 
Largest amount invested in the stock of any one bank, 
Average annual expenses, ..... 



302 
5 per cent. 

$785 54 

2,300 00 
218 62 



* This institution went into operation May 13, 1863. 



CAPE COD FIVE CENTS SAYINGS BANK— HARWICH. 

[July 20, 1864.] 



Nathaniel Snow, President. 



Treasurer, Obed Brooks. 



Deposits, .... 


• • • 


$122,884 73 




Profits, .... 


• • • 


3,863 46 




Public Funds, . 


• • • 




$28,200 00 


Bank Stock, 


• • • 




8,755 75 


Loans on Bank Stock, 


• • • 




— — 


Real Estate, 


• • • 




30,452 82 


on Personal Security, 


• • • 




36,589 75 


to Counties, Cities and Towns, 




15,000 00 


Dividend paid, . 


• • • 




710 65 


Cash on hand, . 


• • • 




7,039 22 




$126,748 19 


$126,748 19 



Number of Depositors, 

Rate of ordinary dividends for the last year, . 

Amount of ordinary dividends for the last year, 

Average annual rate of dividends, . 

Last dividend of reserved profits, in April, 1861, 

Extra dividends are made once in . 

Largest amount invested in the stock of any one bank, 

Average annual expenses, 



1,058 
5| per cent. 

' $5,129 67 
6 per cent. 

$701 09 
Five years. 

$7,755 75 
372 00 



1865.] 



PUBLIC DOCUMENT— No. 8. 



67 



INSTITUTION FOR SAYINGS IN THE TOWN OF BARNSTABLE- 
BARNSTABLE. 

[July 21, 1864.] 

Josiah Hinckley, President. Treasurer, John Munroe. 



Deposits, .... 

Profits, .... 

July dividend, balance unpaid, 

Public Funds, . 

Bank Stock, 

Real Estate, 

Loans on Bank Stock, 
on Real Estate, 
on Personal Security, 
to Counties and Towns, 

Cash on hand, . 



1672,825 14 

2,925 59 

19,061 02 



$694,811 75 



$114,500 00 
134,806 56 
00 



5,700 



277,686 17 

129,550 85 

26,950 00 

5,618 17 



$694,811 75 



Number of Depositors, 

Rate of ordinary dividends for the last year, . 
Amount of ordinary dividends for the last year, 
Extra dividends are not made. 

Largest amount invested in the stock of any one bank, 
Average annual expenses, about .... 



2,556 
5-| per cent. 
$36,097 81 

11,737 50 
1,200 00 



CAPE ANN SAYINGS BANK— GLOUCESTER. 

[August 18, 1864.] 

John W. Lowe, President. Treasurer, Alfred Presson. 



Deposits, 


$246,581 30 




Profits, ..... 






4,851 93 




Public Funds, .... 








$66,000 00 


Bank Stock, .... 








75,190 50 


Loans on Public Funds, 








— — 


on Bank Stock, 






i 


— _ 


on Real Estate, 








49,950 00 


on Personal Security, 








1,000 00 


to Towns, 








58,500 00 


Cash on hand, .... 






792 73 








$251,433 23 


$251,433 23 



Number of Depositors, 

Rate of ordinary dividends for the last year, . 

Amount of ordinary dividends for the last year, 

Average annual rate of dividends, . 

Last dividend of reserved profits, in April, 1861, 

Extra dividends are made once in . 

Largest amount invested in the stock of any one bank, 

Average annual expenses, about .... 



1,403 
4 per cent. 

$6,933 41 
7 per cent. 

$5,834 60 
Five years. 
$10,698 50 
700 00 



68 



BANK COMMISSIONERS' REPORT. 



[Jan. 



HINGHAM INSTITUTION FOR SAYINGS— HINGHAM. 

[August 30, 1864.] 

Atherton Tilden, President. Treasurer, Henry C. Harding. 



Deposits, ....... 


$783,114 52 




Profits, .... 






23,369 18 




Suspense Account, 






1,514 07 




Public Funds, .... 








$211,065 62 


Bank Stock, .... 








116,220 00 


Real Estate, 








4,721 03 


Loans on Public Funds, 








4,000 00 


on Bank Stock, 








15,200 00 


on Real Estate, 








432,044 00 


on Personal Security, 








6,000 00 


to Towns, 








13,700 00 


Expense Account, 








815 09 


Cash on hand, .... 








4,232 03 








$807,997 77 


$807,997 77 



Number of Depositors, 

Rate of ordinary dividends for the last year, . 
Amount of ordinary dividends for the last year, 
Average annual rate of dividends, .... 
Last dividend of reserved profits, in January, 1860, 
Extra dividends are made once in ... 

Largest amount invested in the stock of any one bank, 
Average annual expenses, for the last five years, . 



2,948 
5 per cent. 

$36,136 76 
1\ per cent. 

$31,880 99 
Five years. 
$11,000 00 
1,304 25 



FAIRHAVEN INSTITUTION FOR SAYINGS— FAIRHA YEN. 

[August 31, 1864.] 



I. F. Terry, President. 



Treasurer, Charles Drew. 



Deposits, . . . 

Profits, 

Public Funds, . 

Bank Stock, 

Loans on Bank Stock, 
on Real Estate, 
on Personal Security, 
to Towns, 

Cash on hand, . 



$209,045 89 
9,649 09 



$218,694 98 



$75,500 00 

100,660 00 

1,533 32 

12,064 43 

16,872 21 

11,000 00 

1,065 02 



$218,694 98 



Number of Depositors, 

Rate of ordinary dividends for the last year, . 
Amount of ordinary dividends for the last year, 
Extra dividends are not made. 

Largest amount invested in the stock of any one bank, 
Average annual expenses, about . . ' . 



719 

6 per cent. 
$11,514 25 

24,960 00 
800 00 



1865.] 



PUBLIC DOCUMENT— No. 8. 



69 



COHASSET SAYINGS BANK— COHASSET. 

[September 5, 1864.] 

Abraham H. Tower, President. Treasurer, Levi N. Bates. 



Deposits, 


$144,899 20 




Profits, ....... 


1,077 93 




Public Funds, 




$36,000 00 


Bank Stock, 




30,180 00 


Loans on Public Funds, .... 




— — 


on Bank Stock, .... 




— — 


on Real Estate, .... 




59,040 00 


to Counties, Cities and Towns, 




18,000 00 


Cash on hand, 




2,757 13 




§145,977 13 


$145,977 13 



Number of Depositors, 

Kate of ordinary dividends for the last year, . 
Amount of ordinary dividends for the last year, 
Average annual rate of dividends, .... 
Last dividend of reserved profits, in January, 1862, 
Extra dividends have been made once in 
Largest amount invested in the stock of any one bank, 
Average annual expenses, 



607 

5 per cent. 

$6,413 90 

6 per cent. 

$1,529 60 
Five years. 

$3,000 00 
450 00 



SCITUATE SAYINGS BANK— SCITUATE- 

[September 6, 1864.] 
Elijah Jexkins, President. Treasurer, Caleb W. Prouty. 



Deposits, ....... 


$59,916 81 




Profits, 






1,901 44 




Public Funds, . 








$6,600 00 


Bank Stock, .... 








11,900 00 


Loans on Public Funds, 








— — 


on Bank Stock, 








— — 


on Real Estate, 








33,834 00 


on Personal Security, 








738 35 


to Counties, Cities and Towns, 




8,370 26 


Cash on hand, ...... 




375 64 








$61,818 25 


$61,818 25 



Number of Depositors, .... 

Rate of ordinary dividends for the last year, . 

Amount of ordinary dividends for the last year, 

Average annual rate of dividends, . 

Last dividend of reserved profits, in March, 1857, 

No extra dividend was made in 1862. 

Largest amount invested in the stock of any one bank, 

Average annual expenses, about .... 



282 
5 per cent. 
Not stated. 
5 per cent. 

$984 65 

5,000 00 
5 00 



70 



BANK COMMISSIONERS' REPORT. 



[Jan. 



SOUTH SCITUATE SAYINGS BANK— SOUTH SCITUATE. 

[September 6, 1864.] 

Moses F. Rogers, President. Treasurer, Ebexezer T. Fogg. 



Deposits, . 

Profits, . 

Public Funds, . 

Bank Stock, 

Loans on Public Funds, 






$222,757 04 
2,147 10 


$6,500 00 
37,860 00 


on Bank Stock, 








20 12 


on Real Estate, 
on Personal Security, 
to Towns, 
Cash on hand, . 








151,263 46 

14,875 06 

12,550 00 

1,835 50 








$224,904 14 


$224,904 14 



Number of Depositors, 

Rate of ordinary dividends for the last year, . 

Amount of ordinary dividends for the last year, 

Average annual rate of dividends, . 

Last dividend of reserved profits, in 1860, 

Extra dividends are made once in . 

Largest amount invested in the stock of any one bank, 

Average annual expenses, about 



895 
5 per cent. 

$10,577 26 
6^ per cent. 

$8,358 16 
Five years. 

$4,000 00 
450 00 



SOUTH BOSTON SAYINGS BANK— SOUTH BOSTON. 

[September 14, 1864.] 
Henry Souther, President. Treasurer, D. McB. Thaxter. 



Deposits, . 

Profits, .... 








$31,597 92 
338 82 




Interest, .... 








85 45 




Public Funds, . 
Bank Stock, 










$10,700 00 


Loans on Public Funds, 










— — 


on Bank Stock, 










— — 


on Real Estate, 










16,977 00 


Cash on hand, . 










4,345 19 




$32,022 19 


$32,022 19 


Number of Depositors, .... 
Rate of ordinary dividends for the last year 
Amount of ordinary dividends for the last ] 


', . . . . 

rear, 


311 
4 per cent. 

$364 52 


Average annual rate of dividends,* 


• • • ■ 


— 


Extra dividends are to be made once in 


• • • t 


Five years. 


Average annual expenses, not over 


• • • i 


$25 00 



* This bank commenced business September 1, 1863. 



1865.] 



PUBLIC DOCUMENT— No. 8. 



71 



RANDOLPH SAYINGS BANK— RANDOLPH. 

[September 16, 1864.] 

Atherton Wales, President. Treasurer, Seth Turner. 



Deposits, ....... 


$94,626 66 


« 


Interest, ....... 


3,713 30 




Public Funds, 




$45,268 75 


Bank Stock, ...... 




9,161 50 


Loans on Bank Stock, .... 




— — 


on Real Estate, .... 




11,250 00 


on Personal Security, 




4,900 00 


to Counties, Cities and Towns, 




21,850 00 


Expense Account, 




1,211 65 


Cash on hand, 


- 


4,698 06 


• 


$98,339 96 


$98,339 96 



Number of Depositors, .... 
Rate of ordinary dividends for the last year, . 
Amount of ordinary dividends for the last year, 
No dividend of reserved profits has yet been made. 
Largest amount invested in the stock of any one bank, 
Average annual expenses, . . . 



570 
5 per cent. 

$1,580 23 

1,700 00 
215 00 



FITCHBURG SAYINGS BANK— FITCHBURG. 

[September 22, 1864.] 

Nathaniel Wood, President. Treasurer, Ebenezer Torrey. 



Deposits, 


I 

$937,796 15 




Interest, ....... 


28,609 20 




Public Funds, 




$149,42.5 00 


Bank Stock, ...... 




156,600 00 


Loans on Public Funds, .... 




8,200 00 


on Bank Stock, .... 




— — 


on Real Estate, 




367,294 91 


on Personal Security, 




114,033 35 


to Counties, Cities and Towns, 




134,300 00 


on Railroad Stock, .... 




10,000 00 


Expense Account, ..... 




1,095 51 


Cash on hand, ...... 




25,456 58 




$966,405 35 


$966,405 35 



Number of Depositors, . . . 

Rate of ordinary dividends for the last year, . 

Amount of ordinary dividends for the last year, 

Average annual rate of dividends, . 

Last dividend of reserved profits, in June, 1861, 

Extra dividends are made once in . 

Largest amount invested in the stock of any one bank, 

Average annual expenses, ..... 



4,449 
4 per cent. 

$33,960 30 
6£ per cent. 

$24,815 53 
Five years. 
$18,800 00 
1,500 00 



72 



BANK COMMISSIONERS' REPORT. 



[Jan. 



BRIGHTON FIVE CENTS SAYINGS BANK— BRIGHTON. 

[September 29, 1864.] 

John Ruggles, President. Treasurer, C. C. Hutchinson. 



Deposits, *....... 


$21,718 27 




Reserved Fund, 










109 39 




Interest, 










296 91 




Dividend No. 6, . 










283 55 




Overdraft, . 










203 50 




Public Funds, . 












$3,000 00 


Bank Stock, 












2,756 00 


Loans on Bank Stock, 










— — 


on Real Estate, 










8,038 53 


on Personal Security, 








5,700 00 


to Counties, Cities and Towns, 




3,000 00 


Suspense Account, 




117 09 












$22,611 62 


$22,611 62 



Number of Depositors, .... 

Rate of ordinary dividends for the last year, . 

Amount of ordinary dividends for the last year, 

No dividend of reserved profits has yet been made. 

Extra dividends are to be made once in 

Largest amount invested in the stock of any one bank, 

Average annual expenses, ..... 



262 
. 5 per cent. 

$742 54 

. Three years. 

$998 00 
125 00 



CITIZENS' SAVINGS BANK— FALL RIVER. 

[October 6, 1864.] 
Joseph Osborn, President. Treasurer, E. E. Hathaway. 



Deposits, 


$706,233 90 




Profits, ..... 






13,549 42 




Public Funds, .... 








$235,819 05 


Bank Stock, .... 








260,441 50 


Loans on Public Funds, 








20,000 00 


on Bank Stock, 








— — 


on Real Estate, 








99,865 00 


on Personal Security, 








80,609 00 


Expense Account, 








3,033 47 


Cash on hand, . 








20,015 30 








$719,783 32 


$719,783 32 



Number of Depositors, 

Rate of ordinary dividends for the last year, . 

Amount of ordinary dividends for the last year, 

Average annual rate of dividends, for the last three years, 

No extra dividends are made. 

Largest amount invested in the stock of any one bank, . 

Average annual expenses, about ..... 



1,496 
6 per cent. 

$40,766 06 
5| per cent. 

$84,600 00 
1,600 00 



1865.] 



PUBLIC DOCUMENT— No. 8. 



73 



NEW BEDFORD INSTITUTION FOR SAYINGS— NEW BEDFORD. 

[October 7, 1864.] 
Thomas Mandell, President. Treasurer, William C. Coffin. 



Deposits, 


$3,560,986 55 




Profits, .... 


► • • • 


130,201 79 




Public Funds, . 


* • • • 




$2,050,804 49 


Bank Stock, 


• • ■ 




924.072 00 


Real Estate, 


■ • • • 




13,283 00 


Loans on Public Funds, 


i • • • 




9,650 00 


on Bank Stock, 


• • * • 




4,000 00 


on Railroad Stock, 


■ • • • 




12.750 00 


on Personal Security, 




366,981 00 


to Counties, Cities and Towns, 




141,146 50 


to Banks, on interest, 




52,000 00 


Loan to Commonwealth, .... 




60.000 00 


Cash on hand, 




56,501 35 






$3,691,188 34 


$3,691,188 34 



Number of Depositors, 

Rate of ordinary dividends for the last year, . 
Amount of ordinary dividends for the last year, 
Average annual rate of dividends, . 
Last dividend of reserved profits, in April, 1859, 
There is no rule requiring extra dividends to be made. 
Largest amount invested in the stock of any one bank, 
Average annual expenses, 



10,992 
6 per cent. 

$185,066 77 
6-| per cent. 
' $23,720 29 

100,000 00 
4,500 00 



NEW BEDFORD FIVE CENTS SAYINGS BANK— NEW BEDFORD. 

[October 7, 1864.] 

George Howland, Jr., President. Treasurer, Barton Ricketsox, Jr. 



Deposits, . 


$1,009,051 90 




Profits, .... 


• • * 


38,898 63 




Public Funds, . 


• • • 




$641,440 00 


Bank Stock, 


• • • 




56,900 00 


Real Estate, 


» • • * 




5,473 81 


Loans on Public Funds, 


» • • • 




43,920 00 


on Bank Stock, 


► • • • 




1,500 00 


on Real Estate, 


• • • • 




154,667 88 


on Personal Security, 




113,055 30 


to Counties, Cities and Towns, 




13,570 00 


Expense Account, 




1,250 84 


Cash on hand, 




16,172 70 






$1,047,950 53 


$1,047,950 53 



Number of Depositors, ...... 

Rate of ordinary dividends for the last year, . 
Amount of ordinary dividends for the last year, 
No extra dividends are made. 

Largest amount invested in the stock of any one bank, 
Average annual expenses, ..... 



6,102 
6 per cent. 
$48,092 06 

21,000 00 
2,000 00 



10 



74 



BANK COMMISSIONERS' REPORT. 



[Jan. 



LYNN FIVE CENTS SAVINGS BANK— LYNN. 

[October 12, 1864.] 

Thomas B. Newhall, President. Treasurer, B. V. French. 



Deposits, . 

Profits, 

Public Funds, . 

Bank Stock, 

Loans on Real Estate, 

on Personal Security, 
to Cities and Towns, 

Expense Account, 

Cash on hand, . 



$208,471 67 
3,861 57 



$212,333 24 



$77,439 42 

21,956 75 

81,210 00 

1,990 00 

25,000 00 

211 95 

4,525 12 



$212,333 24 



Number of Depositors, ...... 

Rate of ordinary dividends for the last year, . 

Amount of ordinary dividends for the last year, 

Average annual rate of dividends, 

Last dividend of reserved profits, in January, 1861, 

Extra dividends are made once in . 

Largest amount invested in the stock of any one bank, 

Average annual expenses, about .... 



2,228 
5 per cent. 

$7,245 38 
6| per cent. 

$593 80 
Five years. 

$6,633 50 
750 00 



CHELSEA SAVINGS BANK— CHELSEA. 

[October 17, 1864.] 

John H. Osgood, President. Treasurer, Samuel Bassett. 



Deposits, 


$215,140 21 




Profit and Loss, 






1,225 16 




Interest, .... 






4,554 31 




Public Funds, .... 








$27,792 48 


Bank Stock, .... 








22,504 60 


Loans on Real Estate, 








100,555 00 


on Personal Security, 








1,000 00 


to City of Chelsea, . 








59,000 00 


oaie, .....< 








160 00 


Expense Account, 








1,271 29 


Cash on hand, . 








8,636 31 








$220,919 68 


$220,919 68 



Number of Depositors, 

Rate of ordinary dividends for the last year, .... 

Amount of ordinary dividends for the last year, 

Average annual rate of dividends, ...... 

Last dividend of reserved profits, in August, 1864, 2 per cent., 
Extra dividends are made once in . 
Largest amount invested in the stock of any one bank, . 
Average annual expenses, ....... 



1,847 
5 per cent. 

$4,316 58 
7 per cent. 

$6,466 62 
Five years. 

$3,115 75 
750 00 



1865.] 



PUBLIC DOCUMENT— No. 8. 



75 



CHARLESTOWN FIVE CENTS SAVINGS B'K— CHARLESTOWN. 

[October 22, 1864.] 

Phineas J. Stone, President. Treasurer, Amos Stone. 



Deposits, ....... 


1373,744 00 




Profits, 








20,011 10 




Public Funds, . 










$112,016 10 


Bank Stock, 










56,543 50 


Real Estate, 










_ _ 


Loans on Public Funds, 










— — 


on Bank Stock, 










5,000 00 


on Real Estate, 










185,929 63 


on Personal Security, 








27,400 00 


Cash on hand, . . . ... 




6,865 87 










$393,755 10 


$393,755 10 



Number of Depositors, about . . . 

Rate of ordinary dividends for the last year, . 

Amount of ordinary dividends for the last year, 

Average annual rate of dividends, . 

Last dividend of reserved profits, in April, 1862, 

Extra dividends are made once in . 

Largest amount invested in the stock of any one bank, 

Average annual expenses, about .... 



2,750 
5 per cent. 

' $13,609 90 
7 per cent. 

$4,327 88 
Three years. 
$9,809 00 
150 00 



NORTH BRIDGEWATER SAVINGS BANK— NO. BRIDGEWATER. 

[October 28, 1864.] 

Henry W. Robinson, President. Treasurer, Edward Southworth, Jr. 



Deposits, 


$166,205 86 




Profits, .... 






5,015 82 




Public Funds, . 


* 






$40,215 28 


Bank Stock, 






• 


42,815 50 


Real Estate, 








_ _ 


Loans on Public Funds, 








— — 


on Bank Stock, 








300 00 


on Real Estate, 








58,668 17 


on Personal Security 


r » 






20,159 87 


to Towns, 








5,400 00 


Expense Account, 








362 83 


Cash on hand, . 








3,300 03 








$171,221 68 


$171,221 68 



Number of Depositors, .... 

Rate of ordinary dividends for the last year, . 

Amount of ordinary dividends for the last year, 

Extra dividends are not made. 

Largest amount invested in the stock of any one bank, . 

Average annual expenses, ...... 



1,044 
5 per cent. 

$6,379 97 

4,715 50 
350 00 



76 



BANK COMMISSIONERS' REPORT. 



[Jan. 



MILLBURY SAVINGS BANK— MILLBURY. 

[November 17, 1864.] 

C. R. Miles, President. Treasurer, David Atwood. 



Deposits, . 
Profits, . 






$89,586 39 
2,932 94 




Public Funds, . 
Bank Stock, . 
Real Estate, . 








$29,305 90 
15,415 00 


Loans on Public Funds, 








— _ 


on Bank Stock, 








_ _ 


on Real Estate, 
on Personal Security, 
to Town of Millbury, 
Expense Account, 








25,075 00 

2,050 00 

17,000 00 

100 99 


Cash on hand, . 








3,572 44 








$92,519 33 


$92,519 33 



Number of Depositors, ..... 

Rate of ordinary dividends for the last year, . 

Amount of ordinary dividends for the last year, 

Average annual rate of dividends, . 

Last dividend of reserved profits, in July, 1864, 

Extra dividends are made once in . 

Largest amount invested in the stock of any one bank, 

Average annual expenses, about .... 



433 

5 per cent. 

$3,547 31 

6 per cent. 

$1,860 35 
Five years. 

$3,576 50 
300 00 



STONEHAM FIVE CENTS SAVINGS BANK— STONEHAM. 

[November 21, 1864.] 

Luther Hill, President. Treasurer, Ira Gerry. 



Deposits, ....... 

Profits, ....... 

Public Funds, 

Bank Stock, . 


$27,006 89 
2,474 95 


$9,500 00 


Loans on Public Funds, .... 




_ — 


on Bank Stock, .... 




— _ 


on Real Estate, .... 

on Personal Security, 

to Counties, Cities and Towns, 




12,000 00 
1,145 00 
5,000 00 


Expense Account, ..... 




914 87 


Cash on hand, ...... 




921 97 




$29,481 84 


$29,481 84 



Number of Depositors, 

Rate of ordinary dividends for the last year, . 
Amount of ordinary dividends for the last year, 
No extra dividends have been made. 
Average annual expenses, about . 



370 
. 5 per cent. 

$949 30 

160 00 



1865.] 



PUBLIC DOCUMENT— No. 8. 



77 



SALEM SAYINGS BANK- 

[November 22, 1864.] 



-SALEM. 



John Bertram, President. 



Treasurer, William Wallis. 



Deposits, ....... 


$2,573,014 10 




Profits, 


t m • • 


122,815 90 




Public Funds, . 


• • a 




$1,151,066 87 


Bank Stock, 


» • « • 




263,582 80 


Loans on Public Funds, 


r 




1,500 00 


on Bank Stock, 


1 • - • • 




11,000 00 


on Real Estate, 


• • • • 




315,837 25 


on Personal Security, 




181,200 00 


to Counties, Cities and Towns, 




738,575 48 


Expense Account, 




1,625 96 


Cash on hand, 




31,441 64 






$2,695,830 00 


$2,695,830 00 



Number of Depositors, 

Pate of ordinary dividends for the last year, . 
Amount of ordinary dividends for the last year, 
Average annual rate of dividends, .... 
Last dividend of reserved profits, in October, 1863, 
Extra dividends are made once in ... 

Largest amount invested in the stock of any one bank, 
Average annual expenses, ...... 



11,249 
5 per cent. 

$122,620 92 
61 per cent. 

$121,301 37 
Five years. 
$60,000 00 
4,500 00 



BRISTOL COUNTY SAYINGS BANK— TAUNTON. 

[December 5, 1864.] 

Silas Shepard, President. Treasurer, George B. Atwood. 



Deposits, 


$778,599 07 




Profits, .... 


• • • 


21,614 15 




Public Funds, . 


► • • • 




$174,413 25 


Bank Stock, 


t • • a 




46,769 00 


Real Estate, 


r • * • 




9,796 87 


Loans on Public Funds, 


• •. • ' m 




5,850 00 


on Bank Stock, 


► • • • 




4,653 40 


on Real Estate, 


» • * a 




374,742 53 


on Personal Securitv, 




118,276 00 


to Counties, Cities and Towns, 




46,000 00 


to Banks, on interest, 




3,000 00 


Expense Account, 




173 03 


Cash on hand, 




16,539 14 






$800,213 22 


$800,213 22 



Number of Depositors, ...... 

Rate of ordinary dividends for the last year, . 
Amount of ordinary dividends for the last year, 
Extra dividends are not made. 

Largest amount invested in the stock of any one bank, 
Average annual expenses, about .... 



3,883 
5 1 per cent. 

$38,772 29 

16,132 00 
3,000 00 



78 



BANK COMMISSIONERS' REPORT. 



[Jan, 



THE PAWNERS' BANK. 

The following statement has been received by the Commis- 
sioners, in accordance with the Act establishing the Pawners' 
Bank, in Boston. 

STATE OF THE BANK, 

On the fourth Saturday of October, 1864, at 7 o'clock, P. M. 



DUE FROM THE BANK. 

Capital stock called in, . 

Unclaimed dividends, .... 

Reserve account, ..... 

Net profits, (estimated,) 

Proceeds of auction sale, not yet adjusted, 

Estimated expenses due, but not paid, . 

Total amount due from the bank, . 



$100,700 00 

854 50 

740 86 

3,341 20 

3,731 50 

405 50 



$109,773 56 



RESOURCES OF THE BANK. 

Amount of outstanding loans on pledge of goods and 
chattels, ........ 

Interest accrued on loans and not paid in, (estimated,) 
Amount of deposits bearing interest, 
Amount of money on hand, in the bank, 
IT. S. Treasury bonds, .... 

Rent and insurance paid in advance, 
Vault, safes, furniture, fixtures, &c, 



Total amount of the resources of the bank, 



$56,640 38 
4,164 91 
9,858 88 
2,903 91 
30,695 48 
1,010 00 
4,500 00 



$109,773 56 



(Signed,) 



E. B. Foster, Cashier. 



The foregoing statement was verified by the oath of the 
cashier, and by the certificate, also under oath, of Joseph S. 
Ropes, J. Sullivan Warren, John Bigelow, and Daniel J. 
Coburn, a majority of the directors of the bank. 



1865.] PUBLIC DOCUMENT -No. 8. 79 

The statement was accompanied by the following additional 
statistics concerning the bank : — 



"Whole number of loans 



? 



30,806 



$798,52-2 92 

741,882 54 

9,109 54 

9,153 83 

4,164 91 



Total amount of loans to date, .... 

Total amount paid in on loans for the same time, . 

Amount of interest earned on loans, since last report, 

Amount of interest on loans paid since last report, . 

Interest earned on loans but not paid in, 

Dividends declared for 1864, . . . . 6 per cent. 

Estimated number of articles loaned on, . . 448,149 

QQ out of every 100 of the loans made are $10 and under. 

On 38 out of every 100 of the loans the interest is less than 21 cents. 

On 26 out of every 100 of the loans the interest is less than 11 cents. 

On 15 out of every 100 of the loans the interest is less than 6 cents. 

On 5 out of every 100 of the loans the interest is only 1 cent. 

Average length of credit actually taken by the pledgers is three 
months and twenty-seven days. 

Six months' credit is usually given, and loans can be renewed on 
payment of the interest due. 

Goods outside of the vault and safes are insured. 

Average amount of interest received on each loan is one dollar fifty- 
five cents eight mills. 

The average amount loaned to each person is $24.56. 



80 BANK COMMISSIONERS' REPORT. [Jan. 



PUBLIC STOCKS 

Deposited with the Auditor of the Commonwealth by " banks organized 
under general laws" as security for their circulating notes. 

The securities held by the auditor on account of banks 
organized under general laws, were examined by the Com- 
missioners on the 30th day of December, 1864, together with 
the amount of circulating notes issued to each of said banks ; 
and the several accounts were found to be as stated below : — 

Bank of the Metropolis. (Charter surrendered.) 

United States Five-Twenties, $42,000 00 

" " Sixes, 1881, 65,000 00 



$107,000 00 
Outstanding circulation, ...... 106,532 00 



Balance, $468 00 

Safety Fund Bank. (Now National.) 

City of Lynn Bonds, $60,000 00 

" Lawrence " 16,000 00 

« Chelsea, " 25,000 00 

Town of Somerville, Bond, 14,400 00 

" Waltham Bonds, 20,000 00 

" Natick " 15,000 00 



$150,400 00 
Outstanding circulation, ...... 67,714 00 



Balance, $82,686 00 

Revere Bank. (Capital, $1,000,000.) 

United States Sixes, 1881,. ..... $150,00000 

" " Certificates of Indebtedness, . . . 430,000 00 

State of Massachusetts, Note, . . . . . 50,000 00 



1865.] 



PUBLIC DOCUMENT— No. 8. 



81 



State of Rhode Island Bonds, 
City of Boston Bonds, 

Outstanding circulation, 
Balance, . 



$25,000 00 
100,000 00 



$755,000 00 
588,979 00 

$166,021 00 



Bank of the Republic. (Now National.) 

United States Certificates of Indebtedness, . . . $52,000 00 
State of Maine Bonds, ... . . 10,500 00 

City of Cambridge, Note, . 
" Roxbury Bonds, . 
Town of North Chelsea, Note, . 
" Marlborough, Notes, 



Outstanding circulation, 
Balance, 



20,000 00 
5,000 00 
8,000 00 
4,000 00 



$99,500 00 
60,035 00 

$39,465 00 



Continental Bank. (Now National.) 

United States Five-Twenties, 

" 5 per cent. Bonds, .... 

" Sixes, 1881, ..... 






Outstanding circulation, 
Balance, . 



$80,000 00 

17,000 00 

8,000 00 

$105,000 00 
102,599 00 

$2,401 00 



« 
« 



a 



Mount Vernon Bank. (Capital, $200,000.) 

United States Five-Twenties, $40,000 00 

Sixes, 1881, ...... 38,000 00 

25,000 00 

2,000 00 

15,000 00 

5,000 00 



" Certificates of Indebtedness, . 
New Hamshire Bonds, . 
Town of Melrose " . 

" Rockport " . 



Outstanding circulation, 



Balance, 



$125,000 00 
112,000 00 

$13,000 00 



11 



82 BANK COMMISSIONERS' REPORT. [Jan. 

Harvard Bank. (Now National.) 

United States Certificates of Indebtedness, . . $142,000 00 

State of Massachusetts, Note, ..... 10 000 00 

City of Cambridge, « 10,000 00 

Town of Marlborough, " 3^000 00 

$165,000 00 
Outstanding circulation, 162,000 00 

Balance, $3,000 00 



1865.] PUBLIC DOCUMENT— No. 8. 83 



GENERAL REMARKS. 

At the close of the last year the number of banks in the 
Commonwealth was one hundred and eighty-one, with an aggre- 
gate capital of $66,841,200. This was increased by the 
addition of $150,000 to the capital stock of the Rockland Bank, 
as authorized by the legislature of 1864, making a total of 
$66,991,200. During the year now ending, however, fifty-two 
banks, (the names of which are given in the Appendix,) with 
a capital amounting to $25,801,700, have surrendered their 
charters and become national institutions. Of the one hundred 
and twenty-nine banks remaining, forty-nine, having a capital 
of $15,302,500, have advertised their intention to become 
National banks, leaving eighty which as yet have taken no steps 
toward conversion into banking associations under the laws of 
the United States. 

Of the fifty-two which have surrendered their charters, twenty- 
one are Boston banks ; and of the forty-nine which propose to 
do so, ten are Boston banks. 

Several of the banks that have been converted into national 
institutions, have increased their capital stock, and others 
propose to do the same. Twenty-five new banks have been 
established in the Commonwealth under national authority, 
having an aggregate capital of $4,025,000, and others are in 
progress. 

Thus it appears that the whole number of banks, both State 
and National, actually in operation in Massachusetts is two 
hundred and six, with a prospect of more ; and the amount of 
banking capital is upwards of seventy-one millions of dollars, to 
which a considerable addition is likely to be made. 

Of the twenty-five new National banks, two are in Springfield, 
and there is one in each of the following places, viz. : Adams, 
Amesbury, Amherst, Barre, Boston, Cambridge, Clinton, 
Dorchester, Easthampton, Easton, Fall River, Gloucester, 
Grafton, Leominster, Lowell, Marlborough, Newburyport, 
Newton, Northampton, Westborough, Westfield, Winchendon, 
Worcester. 



84 BANK COMMISSIONERS' REPORT. [Jan. 

The chief feature of interest in the history of the Massachu- 
setts banks for the past year is the conversion, as above men- 
tioned, of so considerable a number of these institutions into 
associations for carrying on the business of banking under the 
Act of Congress of June 3, 1864, entitled an Act to provide a 
National Currency, " secured by a pledge of United States 
bonds, and to provide for the circulation and redemption there- 
of." This conversion has been made without interruption of 
business or serious obstacle of any kind, in accordance with the 
provisions of chapter 244 of the Acts of 1863, and of chapter 
190 of the Acts of 1864. It is probable, in view of the fact that 
the national system has been already adopted by so large a pro- 
portion of our banks, that at the end of the next year not many 
of these institutions will be doing business under Acts of incor- 
poration granted by the State. It will excite no surprise if a 
few of them, which have survived all the dangers and crises 
to which our banking system has been exposed, and have 
become somewhat venerable in age, should cling with fond 
tenacity to the tie which binds them to the Commonwealth that 
gave them being ; but even their reluctance to change will, it 
is likely, yield to those considerations of interest and policy by 
which all moneyed institutions are governed. 

The chief motive for making this change on the part of the 
banks which have become national associations, expressed to us 
in many instances, and undoubtedly influential in all, has been 
a desire to save the tax imposed by the State ; and it is quite 
apparent that the Commonwealth cannot reasonably expect to 
retain those which have not already become such associations, 
unless it shall relieve them materially or wholly of this burden. 
Convinced that these banks ought not be driven by a continua- 
tion of this tax to surrender their charters, we recommend that 
it be wholly taken off or very much reduced. Another induce- 
ment to the change may have been the profit to be derived from 
the sale of specie on hand ; while motives of patriotism exercised, 
without doubt, a strong influence to that end. 

The State parts with these objects of her care and solicitude 
with many regrets, but with a just pride in their career, inspired 
by the belief that their capital has been highly instrumental in 
promoting the prosperity of the State, and that they have 
furnished as good a paper currency based on individual credit 



1865.] PUBLIC DOCUMENT— No. 8. 85 

as any part of the country has ever enjoyed. We have been 
deeply impressed by the unanimity with which the banks them- 
selves, through their directors, have expressed their reluctance 
to give up the State charters under which they have thrived so 
long and so well, and to lose the fostering care of the old 
Commonwealth. 

The national system of banking goes into operation in our 
Commonwealth with promising omens of success. As a measure 
of an administration of the general government which a vast 
majority of her people heartily support, it was to be expected, 
not unreasonably, that the opposition to it here would be feeble ; 
and the event has more than justified this expectation. No 
national act of equal importance ever encountered less opposition 
from the people of this Commonwealth, while the eminently 
friendly character of our legislation in regard to it, seems to 
indicate a popular feeling in its favor. Not without reluctance, 
however, will the people give up a system which has for several 
years yielded a revenue to the Commonwealth nearly sufficient 
to pay its ordinary expenses ; but they have the satisfaction of 
knowing that the loss can be supplied by other forms of taxation, 
and that they will be compensated to some extent by the income 
to the national treasury from the associations under the new 
system. The great compensation, however, to which they look 
is that suggested by the title of the national Act — a secure 
national currency. The use of paper money is one of the great 
triumphs of modern effort for advancing the industry and pros- 
perity of a nation, but the evils it has generated when the one 
condition of its beneficial effect, its immediate convertibility into 
specie, has been disregarded, have at times been wide spread 
and disastrous. Of these evils, our own history, colonial and 
national, offers many striking examples ; and it is to guard 
against their recurrence that the general government has now 
entered upon the exercise of one of its most important func- 
tions — that of regulating the currency. For the full success of 
this effort, it seems to be requisite that a continued issue of 
paper money under State authority shall be suppressed, either 
by discriminating legislation in favor of the National banks, or 
such other constitutional means as may be deemed best. Tf 
this can be accomplished, the currency of the National banks 
will take the place of the local issues, and the country will then 



86 BANK COMMISSIONERS' REPORT. [Jan. 

have paper money of which the issue is limited by a national 
law, that is of uniform value all over the land, and that, after 
the resumption of specie payments, cannot become depreciated 
while the national government pays its debts in specie. This 
latter quality is seen to be of great value to the people, when it 
is considered what losses have occurred to them from the use 
of paper whose value depended entirely upon the solvency of 
the banks which issued it. 

In view of the important change which is converting our 
State banks into national associations, it may be proper to notice 
the chief points in which the laws under which they respectively 
exist differ from each other in matters concerning the security, 
liabilities, and interest of the stockholders. 

With regard to the first of these, it is hardly necessary to say 
that, under any system, the chief security which the stock- 
holders of a bank have for the money by them invested in it, is 
to be found in the prudence and integrity of its directors. The 
law may, however, aid to some extent in securing these impor- 
tant requisites, and the national Act, therefore, has a provision 
that each director shall own, unpledged in any way, at least ten 
shares (of one hundred dollars each,) of stock in the association 
of which he is a director, and shall take an oath to the faithful 
performance of his duties. In our State banks a holder of a 
single share may be a director, when the capital is less than half 
a million dollars, and no oath is required. The national law, 
here, too, differing from our State law, has further security for 
the stockholders, by providing that each director of any asso- 
ciation participating in or assenting to any violation of its 
provisions shall be held liable, in his personal and individual 
capacity, for all damages which the association, its shareholders, 
or any other person, shall have sustained in consequence of 
such violation. 

In regard to the matter of loans and discounted paper, upon 
the value of which the soundness of any bank depends, the 
chief distinction between the National and State laws is that by 
which, in the former, no person, association, or firm, can be 
liable to any National bank for money borrowed of it 
to an amount exceeding one-tenth part of its capital stock, — 
that is, the loan on accommodation paper is limited as here 
expressed ; but, as in our State law, the liability on commercial 



1865.] PUBLIC DOCUMENT— No. 8. 87 

or business paper has no fixed limit, with this exception, that, 
by our General Statutes, the total liabilities of each director, 
and of the whole board, are limited, unless the stockholders 
otherwise determine. This provision of our laws, and our more 
stringent law with regard to the use of proxies, it seems to us 
might have been advantageously copied into the national Act. 
Such check upon danger or loss to the stockholders as is fur- 
nished by examinations by officers appointed for that purpose, 
is provided for by the national law as well as by the State. 

In respect to the proportionate power which each stockholder 
has in the management of the affairs of the bank, the two 
systems differ materially. Every holder of one share in any 
State bank is entitled to one vote, and one for every ten addi- 
tional shares till he gets the power to cast ten votes, to which 
he is limited, though he may own one-half of the capital of the 
bank. The national law gives each shareholder a vote for every 
share he holds. Under the latter, however, the privilege of 
stockholders is somewhat curtailed, for by that no shareholder 
can hire money of an association in which he holds stock upon 
a pledge of the same. 

The provisions of the two systems respecting the liability of 
stockholders are worthy of attention. By our General Statutes 
the stockholders of a bank are liable for any loss or deficiency 
of capital arising from the official mismanagement of the 
directors, to an amount equal to that of their stock in addition 
thereto ; but the national Act provides that the shareholders 
of each association " shall be held individually responsible, 
equally and ratably, and not one for another, for all contracts, 
debts, and engagements of such association, to the extent of the 
amount of their stock therein, at the par value thereof, in addi- 
tion to the amount invested in such shares." In other words, 
in the former case the stockholders are only liable for the faulty 
management of the directors, while in the latter they are also 
liable for unfortunate management. Under the State law the 
stockholders are also liable for the redemption of bills, but as, 
under this law, the property and effects of any bank must be 
first applied to the redemption of its bills in circulation, it is 
only in cases of gross fraud or mismanagement that stockholders 
are likely to suffer from this liability ; in fact, no one has so 
suffered for many years. The national law has nothing of this 



88 BANK COMMISSIONERS' REPORT. [Jan. 

kind, nor is it necessary that it should, for the bill-holder is held 
by the government secure against loss. And here, we may 
remark, that it is in this that the excellence of the national cur- 
rency especially consists. We cannot esteem too highly that 
quality of a paper dollar which assures the holder that in any 
event, short of the destruction of his government, it will procure 
him a dollar's worth of the things necessary for his daily exist- 
ence. It is this quality which has made the bills issued by the 
banks in our State, organized under the general banking law, 
the best paper money ever issued under the authority of the 
State. 

The national law is less restrictive than that of the State in 
some particulars affecting the interest of stockholders. By the 
latter the debts due to a bank, exclusive of sums due from other 
banks, and State and national loans, cannot exceed double the 
amount of its capital stock. The law by which that amount 
was extended, so as to include loans to the general government, 
was enacted in 1861, and its operation is seen by comparing the 
amount of capital with that of loans, as given in the returns for 
1863, at the date of which the amount of loans was $3,217,288 
in excess of twice the amount of capital, on which the banks 
received interest in gold mostly. Taking this excess as the 
average for the year, and allowing interest on it at the legal 
rate, the gain on the aggregate banking capital of the Common- 
wealth by the Act of 1861, was about two-sevenths of one per 
cent. There are single banks, however, which gain by it fully 
three per cent, per annum in gold, showing the large profit 
resulting in these instances from the removal of the restriction 
upon the amount of loans, and illustrating a probable effect of 
the absence of such restriction in the national law, for that 
contains no limitation of the amount which a bank established 
under it may loan. Reserving the small amount in lawful 
money of the United States, required by the law to be kept on 
hand, it may loan to the extent of a million on a capital of a 
tenth part of that sum, if it can attract a sufficient amount of 
deposits to enable it to do so. There is too much competition 
in the business of banking in Massachusetts to render it probable 
that an extreme case like this would occur in this Common- 
wealth. Every locality having business enough for a bank to 
enable it to pay six per cent., is already provided with one, 



1865.] PUBLIC DOCUMENT— No. 8. 89 

while in our cities and large towns the profits derived from 
circulation and deposits are distributed among so many institu- 
tions that no great share falls to any one. It is very manifest, 
however, that a few enterprising men of wealth and tried 
integrity, could establish a bank under the national law in the 
city of Boston, with a small capital, which would be likely to 
yield them a yearly dividend far beyond any profits derived 
from banking in this State for many years. This feature of the 
law is objectionable to conservative bankers, though, perhaps, 
for the reason before expressed, no danger is to be apprehended 
from it in Massachusetts. 

Another difference between the National and State Acts, which 
may be made a source of profit under the former, is that by 
which associations established under the former are allowed to 
receive deposits on interest: — a privilege denied to our State 
banks, except in a few specified cases. An association under 
the national law might, therefore, do a business similar to 
that of our savings institutions, as all the Scotch banks do, 
reserving to itself the profits of deposits over the interest 
allowed. 

One item of profits which has at times reached.a considerable 
amount in many of our State banks, is forbidden by the national 
law. The banks of the Commonwealth have generally availed 
themselves of the privilege granted by the General Statutes to 
charge exchange on paper payable at other places than that 
where it is discounted. This privilege, under the national law, 
is granted only in the case of purchase, discount, or sale of a 
bona fide bill of exchange, and no association organized under it 
in Massachusetts can lawfully take on any other class of paper 
a greater rate of interest than six per cent. 

In charging exchange, our banks have not always been 
scrupulous to take only the " existing rate ; " in fact, under 
the practice pursued by many of them, of buying paper, as 
it is called, the distinctive item of exchange has disappeared ; 
the amount of interest, whatever its rate, going to a single 
account ; and as the habit of disregarding both the usury law, 
and section 69, chapter 57 of the General Statues, has become 
so general, it is not probable that many National banks, organ- 
ized in the Commonwealth, will be deterred by our laws, or by 
section 30, or section 53 of that under which they exist, from 

12 



90 BANK COMMISSIONERS' REPORT. [Jan. 

using their means as is customary with all who have money to 
lend, and wish to obtain the highest rate of interest for it. 

Here we may add our wish for a modification of the usury 
law. Ineffectual appeals to public sentiment for a change have 
often been made, and we have nothing to offer in addition by 
way of argument, but we cannot withhold an expression of our 
regret that thousands of the worthy citizens of the State are 
obliged to take a place among law-breakers, because they lend 
their money for more than six per cent., when borrowers 
enough are ready and willing to pay the market rate. In fact, 
is it not a reproach to our laws that there is a fluctuating mar- 
ket rate of interest, when the statute inflexibly fixes it at a 
certain rate ? 

Whatever may be the effect upon the interests of capital, the 
people of Massachusetts, though they have for many years 
enjoyed a good local currency, will feel a deep concern in the 
effort of the general government to establish a national cur- 
rency. The first paper money ever seen in the English colonies 
was issued by the authority of her general court in 1690, and 
from that day to this every generation of her children has suf- 
fered to a greater or less extent the worst evils of the system. 
The crime, calamity, and pecuniary loss growing out of the 
innumerable provincial issues, indicated by the final redemp- 
tion of six 'millions of dollars with one-tenth part of that sum 
in specie ; the anxieties and troubles attendant upon the depre- 
ciation of the Continental currency down to the time when it 
became worthless in the hands of its holders ; and the losses in 
more recent times, by the failure of banks to redeem their bills, 
teach us by unhappy experience that when a paper dollar does 
not posses a specie value of that amount, it is an instrument of 
countless evils. The people, therefore, are anxiously looking 
for such action by the general government as will gradually 
withdraw from circulation the vast amount of its paper money 
now afloat, and raise the value of the new national currency, 
and that of the State banks also, to an equality with specie. To 
secure this desirable result, the people of this Commonwealth, 
in the patriotic spirit which has so far animated them in the 
war for the Union, will surely respond to the extent of their 
ability to all calls for loans, and cheerfully submit to any 
amount of taxation they can bear. 



1865.] PUBLIC DOCUMENT— No. 8. 91 

A question of considerable importance, growing out of the 
conversion of our State banks into national associations for 
banking, may be presented to the consideration of the legisla- 
ture. The General Statutes fix no time at which a bank, sur- 
rendering its charter, shall be relieved of the obligation to 
redeem its bills, other than that contained in chapter 68, sec- 
tion 36, continuing corporations in existence for the purpose 
of settling and closing their concerns, three years after such 
surrender. A longer period than this has usually been allowed, 
we believe, in those cases in which banks have gone into the 

7 O 

hands of receivers, but we know no reason whv this obligation 
on the part of the banks referred to should be continued more 
than three years from the time when they began to retire their 
circulation. In this connection, we would state that it is a very 
irregular and unjustifiable proceeding for a bank to assume 
that a portion of its circulation will not be returned for 
redemption, because it has been several years outstanding, and 
charge it off accordingly. No charge should be made to bank 
note account, except for bills actually destroyed, until the bank 
is relieved by law of the obligation to redeem its bills, when the 
balance may be properly transferred to the account of profits. 

No exact comparison of the condition and business of the 
banks, for 1864, with their condition and business in previous 
years can be made from the returns of the present year, for at 
the date of the latter, twenty-eight banks, having become 
national institutions, returned only their circulation. These 
returns, however, furnish some valuable information, one item 
of which, that relating to circulation, does not indicate a con- 
tinued increase at the rate of that of the previous year, noticed 
in our last report. The total circulation of one hundred and 
fifty-three banks, as given in the last returns, was §26,881,454 ; 
and that of twenty-eight banks, which had gone into opera- 
tion under the national law, §4,006,454, making a total of 
830,890,908, and showing an increase for 1864 of 8879,905. 
If to this we add, for those banks which have gone into the 
national system and are withdrawing their circulation, the 
difference between the returns for each of the two years, 
$1,316,160, now supplied by the national currency, we have 
82,196,065 as the increase of circulation of the one hundred 
and eighty-one banks returned in 1863 ; not an alarming 



92 BANK COMMISSIONERS' REPORT. [Jan. 

augmentation considering the largely increased amount of cur- 
rency now required in business, in consequence of its deprecia- 
tion in value. A small number of the banks have exceeded 
the amount allowed by law, but as the excess occurred in the 
natural and regular course of business, and as, in such cases as 
were brought to our notice, due efforts seemed to have been 
made to procure such money as could be lawfully issued, we 
have not treated the offence as would have been proper in the 
ordinary state of our monetary affairs. 

The banks Continue to hold a large amount of government 
securities, but we have no means of ascertaining the exact pro- 
portion which those now held bear to the amount held last year. 
Those banks which have a large proportion of their loan in these 
securities, have realized great profits from the sale of the gold 
which they received for interest, while nearly all have partici- 
pated to some extent in this source of gain. The returns show 
that the amount of the regular dividends for the year was a 
small fraction over eight and two-thirds per cent., which with 
the addition of one and one-sixth per cent, levied on the banks 
in lieu of town taxation, makes the amount of the two semi- 
annual dividends nearly equal ten per cent. Besides making 
large dividends, they carried a handsome sum to reserved 
profits ; for the returns show that the net profits on hand of 
hundred and fifty-three banks in 1864, were $624,628.76 more 
than the same profits of one hundred and eighty-one banks in 
1863. 

The reduction of the loan of the banks is nearly in the same 
proportion with that of the capital ; while the reduction in 
specie greatly exceeds that proportion, indicating, perhaps, a 
sale of that article to some extent, though the proportions 
might greatly differ without such a disposition of it. 

During the year, the Commonwealth has to a large extent 
availed itself of the provision of the General Statutes, obliging 
the banks to loan it money at five per cent., and considering 
that money in the market was commanding six per cent, on the 
best securities, and that the State itself was paying that rate to 
individuals, it is not surprising that we hear from bank directors 
frequent complaints of the hardship which the law imposes upon 
them. We know no good reason why the banks should be 
compelled to loan money to the State at less than the legal rate 



1865.] PUBLIC DOCUMENT— No. 8. 93 

of interest, and we therefore recommend a repeal of that 
provision of law which obliges them to do so. 



The Savings Banks of the Commonwealth have experienced 
another year of prosperity and growth. This interest alone is 
now larger than that of both banks and savings banks combined 
at the time when the Bank Commission was established in 1851. 
Then the capital of one hundred and thirty banks was 
$ 38,265, 000, and the deposit in forty-five savings banks 
amounted to 115,554,088 ; making an aggregate of $53,819,088. 
Now the amount of deposits in ninety-seven savings banks, as 
appears by the last annual returns to the secretary of the Com- 
monwealth, is $62,557,654.30. The increase during the year 
in the number of banks is two — of depositors, 19,397, and in the 
amount of deposits, $5,673,775.75, a larger increase of the latter 
than that of any year previous to the last. In no single class or 
description of property is so large a portion of our people 
interested as in that deposited in these institutions. One in five 
of the whole population of the State has a deposit, and in a 
great proportion of cases it constitutes the sole wealth of the 
depositor. A classification of these depositors, showing their 
employments and nativity, would be a most valuable and 
interesting statistical account, but it is of impracticable attain- 
ment. The classification for each single year might, however, 
be easily obtained, and we should be glad to see it provided for 
by law. 

The success of the savings bank system is largely owing to 
the gratuitious labor given to it by some of the best men in the 
places where the banks are located, rendering the expense of 
their management a mere trifle considering the vast amount of 
pecuniary transactions involved. By referring to the returns, 
it will be seen that the total expenses of the savings banks of 
Massachusetts are only a little more than one-fourth of one per 
cent, of the deposits, while in England, a country of low wages, 
they are one-third of one per cent. And this economical man- 
agement has had but the slightest offset of fraud. Honesty is 
not a just cause of self-congratulation ; but in view of the large 
amount of money that has passed through the hands of the 
several treasurers and clerks of these institutions, subject to no 



94 B4NK COMMISSIONERS' REPORT. [Jan. 

complete system of checks to prevent fraud, it is at least a legi- 
timate source of gratification that the losses by dishonesty during 
the period of nearly half a century, since their first establishment 
in the State, has been so very small. It is quite impossible that 
any of our banks, while subject to examinations by State Com- 
missioners, should be brought to such a ruinous end as that 
which overtook the Rochdale Savings Bank in England some 
years ago. But smaller losses in this way might occur, and we 
should therefore like to see the opportunities for the commission 
of fraud in savings banks reduced to the narrowest possible 
limits. The system of book-keeping, and that regulating cash 
receipts and payments in our savings banks, will bear no com- 
parison for safeguards against fraud with those of some of the 
institutions of the same kind in Great Britain. Indeed, in one 
of our large banks, no verification of the general deposits 
account by the amount due individual depositors, as shown by 
the ledgers in which the separate accounts are kept, has been 
made since the bank was organized, many years ago. 

In one of the largest savings banks in England, having forty- 
two thousand depositors, the depositors' pass-books go through 
the hands of five several clerks on the receipt of each deposit, 
and of four on occasion of each repayment, and a monthly 
audit of every cash transaction is made by a professional 
accountant. We commend this subject to the attention of the 
trustees of our savings banks, adding only that whenever it 
shall be deemed expedient to provide by law or otherwise for 
improvement in this respect, a plan to secure it can easily be 
devised. 

Attempts have been made to obtain a relaxation of the law 
regulating investments of savings bank funds, so as to allow* 
-the discount of commercial paper ; but the legislature has wisely 
refused to permit them to embark in this new business. 

A case which has been long pending in the Supreme Judicial 
Court, and which has been recently decided, should be brought 
to the notice of the managers of our savings banks. We allude 
to that of the Lowell Five Cents Savings Bank, against the 
town of Winchester, which we find reported for the " Middlesex 
Journal." The town of Winchester, on two separate occasions, 
passed a vote authorizing its treasurer to hire $2,000 to meet 
the demands on the treasury, in anticipation of the taxes. In 



1865.] PUBLIC DOCUMENT— No. 8. 95 

pursuance of each of these votes, the treasurer hired the money, 
and applied it to the use of the town. The notes were paid at 
maturity, and both transactions were brought into his accounts 
with the town. Claiming to act under authority of these votes, 
and presenting in each instance a certified copy of the same, he 
also hired at two different times, the sum of $2,000 each time, 
of the Lowell Five Cents Savings Bank, giving his note as 
town treasurer. On these notes he paid the interest semi-an- 
nually, but neither the notes, the money borrowed, nor the 
interest paid were carried into any of his accounts with the 
town. It did not appear that the plaintiffs knew any of the 
circumstances connected with these cases, except that they had 
two notes of the treasurer of the town of Winchester, of $2,000 
each, certified copies of the votes under which he claimed to 
hire it for the use of the town, and that the interest on the 
notes was regularly paid until March, 1861, when, the treasurer 
having become insolvent, payment was demanded of the town 
by the savings bank. The case was submitted, upon an agreed 
statement of facts, to the full bench of judges, who awarded 
judgment to the town of Winchester, on the ground that the 
money was not advanced to the treasurer of the town of Win- 
chester under circumstances which rendered the town liable 
therefor. It seems, therefore, to be necessary in making loans 
to towns to take every precaution to ascertain that the authority 
to hire is not in any way defective in consequence of a previous 
use of the same. 

Among the institutions examined by the Commissioners dur- 
ing the year is the " Mercantile Savings Institution," located 
in the city of Boston. Though much of its business is similar 
. to that of savings banks, it differs from them so much in many 
respects that it has not been classified with them in the " Ab- 
stracts " published by the secretary of the Commonwealth. The 
Act under which it exists was passed March 25, 1861, for the 
purpose of giving corporate powers to an association called the 
" Mercantile Banking and Savings Association." In accord- 
ance with the terms of the Act, commissioners were appointed 
with certain prescribed duties relating to the transfer to the 
corporation of the securities and property held by the trustees 
of the association, as therein provided. In pursuance of votes 
passed by the stockholders and trustees of the association, a 



96 BANK COMMISSIONERS' REPORT. [Jan. 

transfer of these assets was made by an instrument bearing date 
March 24, 1863 ; but, being deemed by the attorney of the bank 
an insufficient conveyance of that part of the securities consist- 
ing of mortgages of real estate, it was not recorded, and at the 
date of our examination, he was preparing legal assignments of 
the mortgages, which, upon recent inquiry, we learned were 
then at the offices of registration. The privilege of taking two 
per cent, per annum, in addition to the regular rate, on all 
sums of $2,000 and less, was granted to this institution, in 
return for certain advantages offered to the borrowers of small 
sums of money ; but its business so far has not enabled it to 
realize a large profit from this privilege, and its dividends to 
the stockholders could hardly have exceeded six per cent, per 
annum, if it had not received interest in gold on a considerable 
portion of its assets. Its failure to attract deposits to an extent 
somewhat commensurate with that of the other city savings 
banks is attributed by the managers to the unsuitableness of its 
location. 

The savings banks hold upwards of twenty-two millions of 
dollars in public funds, a large portion of which consists of 
United States stocks. Receiving the interest on these stocks 
in gold, they have realized from them for the year twelve per 
cent, or more. Their bank stocks, amounting to about ten 
millions, have also yielded large dividends. Their profits, 
therefore, have afforded ample means to pay to depositors the 
usual semi-annual dividends and to reserve something for the 
regular extra one ; but when the monetary affairs of the 
country shall be restored to a healthy condition, it is somewhat 
doubtful if they can make their investments sufficiently profita- 
ble, after deducting expenses and the taxes to which they are 
now subject, to enable them to pay to depositors more than five 
per cent., including extra dividends. They could not bear any 
increase of taxation, we think, without impairing their means 
of usefulness in promoting the virtue and prosperity of the 
people. 

JOHN J. BABSON. 

J. FREDERIC MARSH. 

E. C. SHERMAN. 
December 31, 1864. 



APPENDIX 



13 



98 



BANK COMMISSIONERS' REPORT. 



[Jan. 



LIST OF THE BANKS that have become National during the year 
1864, arranged in the order of the examinations made by the Com- 
missioners on account of their conversion. 



NAME. 


Place. 


Capital. 


Date of 
examination. 


Safety Fund, 


Boston, . 


$1,000,000 00 


January 


29. 


Granite, 






a 

• • 


900,000 00 


March 


21. 


Republic, Bank o 


f the 




• • 


1,000,000 00 


April 


29. 


Marine, 






New Bedford, . 


600,000 00 




30. 


Holyoke, 






Northampton, . 


200,000 00 


May 


4. 


Commercial, 






Salem, . 


200,000 00 




13. 


National, . 






Boston, . 


750,000 00 




16. 


Harvard, . 






Cambridge, 


200,000 00 


June 


4. 


Springfield, 






Springfield, 


300,000 00 




8. 


Worcester, . 






Worcester, 


300,000 00 




8. 


Central, 






u 


250,000 00 




15. 


Hide & Leather, 






Boston, . 


1,000,000 00 




20. 


City, . 






Worcester, 


400,000 00 


July 


12. 


Merchants', 






Boston, . 


3,000,000 00 




16. 


Wamsutta, . 






Fall River, 


100,000 00 




OO 


Union, 






Haverhill, 


200,000 00 




26. 


Haverhill, . 




t - 


(i 


200,000 00 




29. 


Fairhaven, . 






Fairhaven, 


240,000 00 


August 


31. 


Merchants', . 






Lowell, . 


150,000 00 


Sept. 


5. 


Greenfield, . 






Greenfield, 


200,000 00 




10. 


Market, 






Boston, . 


560,000 00 




13. 


Blackstone, 






• • 


750,000 00 




13. 


Mount Wollaston, 




Quincy, . 


150,000 00 




19. 


Union, of W. & Braintree, . 


Weymouth, 


150,000 00 




27. 


Mut'l Redemption, Bank of, 


Boston, . 


561,700 00 




30. 


Continental, 


a 

• • 


300,000 00 


October 


1. 


Mo n son, 






Monson, . 


150,000 00 




4. 


North, 






Boston, . 


860,000 00 




19. 


Exchange, . 






• • 


1,000,000 00 




25. 


Tradesman's, 






Chelsea, . 


150,000 00 


Nov. 


1. 


Eliot/ . 






Boston, . 


- 600,000 00 




9. 



1865.] 



PUBLIC DOCUMENT— No. 8. 



99 



NAME. 


riace. 


Capital. 


Date of 
examination. 


Framingham, 


Framingham, . 


$200,000 00 


Nov. 10. 


Commerce, Bank of, . 




Boston, . 


2,000,000 00 


15. 


Barnstable, . 




Yarmouth, 


350,000 00 


16. 


Millbury, . 






Millbury, 


100,000 00 


17. 


Randolph, . 






Randolph, 


150,000 00 


18. 


Boylston, 






Boston, . 


400,000 00 


28. 


Village, 






Danvers, 


150,000 00 


Dec. 2. 


Lancaster, . 






Lancaster, 


200,000 00 


6. 


Essex, 






Haverhill, 


100,000 00 


8. 


Fall River, . 






Fall River, 


350,000 00 


16. 


Shawmut, . 






Boston, . 


750,000 00 


17. 


Washington, 






• • 


750,000 00 


19. 


City, . 






• • 


1,000,000 00 


20. 


Broadwav, . 






it 

• • 


150,000 00 


21. 


Mechanics', . 






Newburyport, . 


200,000 00 


^» 


New England, 






Boston, . 


1,000,000 00 


23. 


Rockland, . 






Roxbury, 


300,000 00 


27. 


Howard, 






Boston, . 


500,000 00 


29. 


Merrimack, . 






Haverhill, 


180,000 00 


30. 


Bunker Hill, 






Charlestown, . 


300,000 00 


81. 


Lynn Mechanics', 




Lynn, . 


250,000 00 


31. 



100 



BANK COMMISSIONERS' REPORT. 



[Jan. 



TABLE, (1st,) Exhibiting the Capital of the Banks of Massachusetts, and 
the amount of their immediate liabilities, or Circulation and Deposits, 
and the Specie on hand, in each year, from 1815 to 1864, inclusive. 



YEAR. 



Capital. 



Aggregate Deposits 
and Circulation. 



Specie. 



Percentage of 

Specie to Deposits 

and Circulation. 



1815, 

1816, 

1817, 

1818, 

1819, 

1820, 

1821, 

1822, 

1823, 

1824, 

1825, 

1826, 

1827, 

1828, 

1829, 

1830, 

1831, 

1832, 

1833, 

1834, 

1835, 

1836, 

1837, 

1838, 

1839, 

1840, 

1841, 

1842, 

1843, 

1844, 

1845, 
1816, 
1847, 
1848, 
1849, 
1850, 
1851, 
1852, 
1853, 
1854, 
1855, 
1856, 
1857, 
1858, 
1859, 
1860, 
1861, 
1862, 
1863, 
1864* 



$11,287,500 00 


$5,658,502 00 


$3,277,884 00 


57.89 


12,425,000 00 


4,523,800 00 


1,430,200 00 


31.61 


11,570,900 00 


5,771,902 00 


1,589,742 00 


27.54 


9,748,425 00 


5,679,665 00 


1,147,920 00 


20.21 


10,374,750 00 


6,492,503 00 


1,040,102 00 


16.02 


10,600,000 00 


5,759,420 00 


1,304,600 00 


22.65 


9,800,000 00 


8,548,447 00 


2,784,614 00 


32.52 


10,821,125 00 


6,297,240 00 


890,000 00 


14.13 


11,650,000 00 


7,550,411 00 


911,112 00 


13.90 


12,907,300 00 


8,973,050 00 


1,777,131 00 


19.80 


14,535,000 00 


6,223,210 00 


1,039,120 00 


16.53 


16,649,996 00 


6,281,135 00 


1,323,820 00 


21.07 


18,702,150 00 


8,445,045 52 


1,711,035 61 


20.26 


20,140,000 00 


7,054,819 64 


1,225,294 42 


17.22 


20,420,000 00 


7,293,017 51 


987,210 47 


13.52 


19,295,000 00 


8,699,047 04 


1,258,444 05 


14.46 


21,439,800 00 


12,141,282 62 


919,959 73 


7.57 


24,520,200 00 


10,061,826 33 


902,205 78 


8.96 


28,236,250 00 


11,605,293 04 


922,309 84 


7.94 


29,409,450 00 


12,560,200 47 


1,160,296 09 


9.23 


30,410,000 00 


15,852,624 30 


1,136,444 30 


7.16 


34,478,11(^00 


19,676,766 44 


1,455,230 47 


7.39 


38,280,000 00 


18,740,316 73 


1,517,984 02 


8.10 


34,630,000 00 


16,523,154 77 


2,394,624 24 


14.49 


34,485,600 00 


12,642,733 00 


1,838,272 99 


14.54 


33,750,000 00 


16,370,292 80 


2,991,804 50 


18.33 


33,360,000 00 


16,654,011 55 


3,111,837 84 


18.69 


32,631,060 00 


14,180,071 48 


2,682,309 55 


18.91 


31,089,800 00 


16,518,083 19 


7,298,815 69 


44.18 


30,020,000 00 


24,417,463 19 


4,587,140 80 


18.78 


30,970,000 00 


26,007,819 91 


3,357,904 35 


12.90 


31,160,000 00 


24,051,290 42 


3,054,755 68 


12.70 


32,113,150 00 


27,461,917 38 


3,943,973 58 


14.36 


32,985,000 00 


21,290,999 48 


2,578,030 32 


12.10 


34,630,011 00 


25,576,252 22 


2,749,917 32 


10.75 


36,925,050 00 


28,182,653 84 


2,993,178 29 


10.62 


38,265,000 00 


32,664,473 47 


2,478,858 78 


7.58 


43,270,500 00 


36,713,625 75 


3,563,782 52 


9.76 


49,050,175 00 


44,628,122 85 


3,731,764 56 


8.36 


54,492,660 00 


44,150,353 32 


3,828,402 88 


8.67 


58,632,350 00 


45,089,304 55 


4,409,402 35 


9.77 


58,598,800 00 


50,913,441 02 


4,555,571 41 


8.94 


60,319,720 00 


37,079,966 49 


3,611,097 65 


9.73 


61,819,825 00 


52,915,444 36 


11,112,715 72 


21. 


64,519,200 00 


51,335,958 88 


7,532,647 09 


14.67 


66,482,050 00 


55,259,287 66 


6,567,887 88 


11.88 


67,344,200 00 


53,474,018 50 


8,877,193 01 


16.60 


67,544,200 00 


74,295,120 71 


9,595,529 55 


12.91 


67,141,200 00 


83,160,079 61 


•9,456,717 96 


11.37 


51,319,500 00 


62,772,122 71 


6,467,492 16 


10.30 



* 153 Banks. In 1863 the number was 183. 



1865.] 



PUBLIC DOCUMENT— No. 8. 



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PUBLIC DOCUMENT— No. 8. 



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* 



PUBLIC DOCUMENT. 



.No. 8. 



Conimoiiiomli!) of itla0sad)U0cit0. 



ANNUAL REPORT 



OF THE 



BANK COMMISSIONERS 



DECEMBER 31, 1865. 



BOSTON: 

WRIGHT & POTTER, STATE PRINTERS, 
No. 4 Spring Lane. 

18 6 6. 



ANNUAL REPORT 



OF THE 



BANK COMMISSIONERS. 



To Hon. Oliver Warner, Secretary of the Commonwealth. 

The Bank Commissioners respectfully submit their Fifteenth 
Annual Report. 

Of the 183 banks that were in operation in this Common- 
wealth a little more than two years since, one only remains 
which is now doing business under State authority, namely, 
the North Bridgewater Bank. Four have surrendered their 
charters, the Mattapan Bank in Dorchester, and the Bank of 
the Metropolis in Boston, in 1863, and the Cambridge Market 
Bank and the Westfield Bank, in 1865. The other 178 have 
become National Banking Associations. The first to be exam- 
ined for conversion was the Safety Fund Bank ; the last was 
the Webster — both in Boston. The stockholders of the West- 
field Bank have united the capital invested therein with that of 
the First National Bank of Westfield. 

In our Report for last year, we gave the names of fifty-two 
banks which we had examined during the year 1864, prepara- 
tively to their becoming National Associations, twenty-one in 
Boston, thirty-one out of Boston. The following list shows 
the banks that have been examined during the past year, for 
the same purpose, — including, also, the Cambridge Market and 
the Westfield Banks, which were examined on account of the 
surrender of their charters. Their number is 128 ; 22 in 
Boston, 106 out of Boston : — 



BANK COMMISSIONERS' REPORT. 



[Jan. 



Banks Examined — 1865. 





a 




Date of 


NAME. 


Place. 


Capital. 


Examination. 


Abington, 


Abington, . . . 


$150,000 00 


Sept. 23, 1865. 


Adams, .... 


Adams, . . 


. • . 


350,000 00 


June 6, " 


Agawam, 


Springfield, 




300,000 00 


April 26, « 


Agricultural, . 


Pittsfield, . 




200,000 00 


June 7, " 


Andover, 


Andover, . 




250,000 00 


« 2, " 


Appleton, 


Lowell, . . 




200,000 00 


April 21, " 


Asiatic, .... 


Salem, . . 




315,000 00 


Jan. 19, " 


Atlantic, 


Boston, . . 




500,000 00 


Feb. 1, " 


x\.tin.s. • • • • 


u 

• • 




1,000,000 00 


Jan. 10, " 


Attleborough, 


Attleborough, 


100,000 00 


Oct. 13, " 


Bay State, 


Lawrence, . . . 


375,000 00 


April 27, « 


Bedford Commercial, 


New Bedford, 


600,000 00 


Feb.. 2, " 


Berkshire, 


South Adams, 


100,000 00 


Sept. 6, " 


Beverly, 


Beverly, . . . 


125,000 00 


Mar. 29, " 


Blackstone, . 


Uxbridge, . 




100,000 00 


May 2, " 


Blue Hill, 


Dorchester, , 




150,000 00 


Jan. 23, « 


Boston, .... 


Boston, . . 




900,000 00 


April 28, " 


Brighton, Bank of, . 


Brighton, . 




200,000 00 


May 18, " 


Brighton Market, . 


a 

• 




250,000 00 


Mar. 13, " 


Bristol County, 


Taunton, . 




500,000 00 


Feb. 28, " 


Cabot, .... 


Chicopee, . 




150,000 00 


April 26, " 


Cambridge, . 


Cambridge, 




100,000 00 


June 20, " 


Cambridge City, 


« 




100,000 00 


Jan. 30, ." 


Cambridge Market, 


m 




150,000 00 


April 20, " 


Cape Ann, Bank of, 


Gloucester, 




150,000 00 


April 29, " 


Cape Cod, Bank of, 


Harwich, . 




150,000 00 


April 3, " 


Charles River, 


Cambridge, 




100,000 00 


Jan. 25, " 


Chicopee, 


Springfield, 




300,000 00 


April 25, " 


Citizens', 


AVorcester, 




150,000 00 


Feb. 7, " 


City, .... 


Lynn, . . 




150,000 00 


Mar. 16, " 


Columbian, 


Boston, . . . 




1,000,000 00 


April 28, " 


Concord, 


Concord, . . 




100,000 00 


Mar. 28, " 


Conway, 


Conway, . . 




150,000 00 


Feb. 23, " 


Danvers, 


South Danver 


s, . 


150,000 00 


April 11, " 


Dedham, 


Dedham, . . 




300,000 00 


Jan. 13, " 


Eagle, .... 


Boston, . . . 




1,000,000 00 


April 28, " 


Exchange, 


Salem, . . , 




200,000 00 


Mar. 21, " 


Fall River Union, . 


Fall River, 




200,000 00 


July 5, " 


Falmouth, 


Falmouth, . . 




100,000 00 . 


July 18, " 


Faneuil Hall, . 


Boston, . . . 




500,000 00 


Mar. 14, " 


Fitchburg, 


Fitchburg, 




250,000 00 


May 22, " 


Franklin County, . 


Greenfield, 




200,000 00 


May 16, " 


Freeman's, 


Boston, . . , 




400,000 00 


Jan. 24, " 


Globe, .... 


u 




1,000,000 00 


April 28, " 


Gloucester, 


Gloucester, . 




300,000 00 


July 13, " 


Grafton, 


Grafton, . . 




100,000 00 


April 10, " 


Grand, .... 


Marblehead, . 




100,000 00 


Jan. 27, " 


Hadley Falls, 


Holyoke, . . 




200,000 00 


June 9, " 


Hamilton, 


Boston, . . . 




500,000 00 


Feb. 8, " 


Hampden, 


Westfield, . . . 




150,000 00 


June 28, " 



1866.] 



public document—no. 8. 



Banks Examined — Continued. 



■ — -..-.- 






Date of 


NAME. 


Place. 


Capital. 


Examination. 


Hampshire Manuf 'rs', . 


Ware, . . 


$350,000 00 


Jan. 20, 1865. 


Hingham, 


Hingham, . . . 


140,000 00 


June 23, " 


Holliston, 


Holliston, . . . 


100,000 00 


Feb. 27, " 


Hopkinton, 


Hopkinton, . . 


150,000 00 


Jan. 12, " 


Housatonic, . 


Stockbridge, . . 


200,000 00 


June 7, " 


John Hancock, 


Springfield, . . 


150,000 00 


April 26, " 


Laighton, . . 


Lynn, .... 


200,000 00 


Oct. 4, " 


Lechmere, . . 


East Cambridge, . 


150,000 00 


Feb. 25, " 


Lee, .... 


JL<ee, ..... 


210,000 00 


April 7, " 


Leicester, . . 


Leicester, . . . 


200,000 00 


April 8, " 


Lowell, . . ■■ . . 


Lowell, . . . . 


200,000 00 


July 11, " 


Machinists', . 


Taunton, . . ... 


200,000 00 


May 9, " 


Mahaiwe, 


G. Barrington, . 


200,000 00 


June 8, " 


Maiden, .... 


Maiden, . . . 


100,000 00 


Jan. 11, " 


Marblehead, . 


Marblehead, . . 


102,000 00 


Feb. 24, " 


Martha's Vineyard, 


Edgartown, . . 


100,000 00 


Aug. 15, " 


Massachusetts, 


Boston,.. .. .. .. 


800,000 00 


April 28, " 


Massasoit, 


Fall River, . . 


200,000 00 


Jan. 18, " 


Maverick, . . 


Boston, . . . . 


400,000 00 


Jan. 28, " 


Mechanics', . 


New Bedford, 


600,000 00 


Feb. 14, " 


• 

u 

• • • 


South Boston, 


250,000 00 


April 18, " 


• • • 


Worcester, . . 


350,000 00 


June 10, " 


Mercantile, 


Salem, ...... 


200,000 00 


Jan. 27, " 


Merchants', . 


New Bedford, 


600,000 00 


Mar. 24, " 


u 

• • • 


Newburyport, 


120,000 00 


May 19, « 


• • • 


Salem, ...... 


200,000 00 


Feb. 18, " 


Matacomet, . 


Fall River, . . 


600,000 00 


April 14, " 


Milford, .... 


Milford, . . . 


250,000 00 


June 30, " 


Miller's River, 


Athol, . . . . 


150,000 00 


Feb. 23, " 


Monument, 


Charlestown, . . 


150,000 00 


April 25, " 


Mount Vernon, 


Boston,. . . . 


200,000 00 


Feb. 18, " 


Naumkeag, 


Salem, .... 


500,000 00 


Jan, 5, " 


Neponset, 


Canton, . . . 


100,000 00 


Feb. 21, " 


Newton, . . . 


Newton, . . . 


150,000 00 


Mar. 27, " 


North America, Bank of, . 


Boston, .... 


750,000 00 


Jan. 31, " 


Northampton, 


Northampton, 


200,000 00 


June' 9, " 


Northborough, 


Northborough, . 


100,000 00 


July 6, " 


Ocean, .... 


Newburyport, 


150,000 00 


May 25, « 


Old Colony, . 


Plymouth, . . . 


210,000 00 


April 24, » 


Oxford, . . * . 


Oxford, . . . 


100,000 00 


Feb. 16, " 


Pacific, .... 


Nantucket, . . 


200,000 00 


May 5, " 


Pemberton, . . 


Lawrence, . . 


100,000 00 


April 27, " 


People's, 


Roxbury, . . . 


150,000 00 


Jan. 4, " 


Pittsfield, 


Pittsfield, . . . 


500,000 00 


June 7, " 


Plymouth, 


Plymouth, . . . 


150,000 00 


Feb. 20, " 


Pocasset, 


Fall River, . . 


200,000 00 


Feb. 6, " 


Powow River, 


Salisbury, . . . 


100,000 00 


May 30, « 


Prescott, 


Lowell, . . . . 


200,000 00 


April 12, " 


Provincetown, 


Provincetown, . 


100,000 00 


Mar. 22, " 


Pynchon, 


Springfield, . . 


150,000 00 


April 26, " 


Quincy Stone, 


Quincy, . . . 


150,000 00 


Mar. 11, " 



BANK COMMISSIONERS' REPORT. 



[Jan. 



Banks Examined — Concluded. 









Date of 


NAM 


; E . riace. 


Capital. 












Examination. 


Quinsigainond 


, . . Worcester, . . 


$250,000 00 


May 17, 


1865. 


Railroad, 


. Lowell, . . 




600,000 00 


Mar. 8, 


u 


Revere, . 


. Boston, . . 




1,000,000 00 


July 7, 


(( 


Rockport, 


. Rockport, . 




100,000 00 


July 13, 


(( 


Rollstone, 


• Fitchburg, . 




250,000 00 


Mar. 3, 


t( 


Salem, . 


. Salem, . . 




187,500 00 


Feb. 4, 


it 


Shelburne Fa 


Is, . . Shelburne, 




150,000 00 


Sept. 7, 


a 


Shoe & Leatht 


jr DeaFrs, . Boston, . . 




1,000,000 00 


Jan. 26, 


u 


Southbridge, 


. Southbridge, 




150,000 00 


Mar. 30, 


a 


South Readin* 


5, . . South Readin 


ft ■ 


100,000 00 


July 27, 


u 


Spicket Falls, 


. Methuen, . 




100,000 00 


Oct. 10, 


u 


State, 


. Boston, . . 




1,800,000 00 


April 28, 


u 


Suffolk, . 


t • • • • 




1,000,000 00 


Jan. 2, 


(( 


Taunton, 


. Taunton, . 




400,000 00 


May 9, 


u 


Townsend, 


. Townsend, 




100,000 00 


April 15, 


a 


Traders', 


. Boston,. . '. 




600,000 00 


Oct. 12, 


« 


Tremont, 


u 

. • . » 1 




1,500,000 00 


Jan. 3, 


a 


Union, . 


m • • • 




1,000,000 00 


April 28, 


u 


Waltham, 


. Waltham, . . 




150,000 00 


Feb. 17, 


u 


Wamesit, 


. Lowell, . . . 




150,000 00 


April 21, 


u 


Wareham, 


. Wareham, 




100,000 00 


Aug. 3, 


(( 


Warren, 


. South Danver 


s, . 


250,000 00 


Jan. 17, 


a 


Webster, 


. Boston, . . . 




1,500,000 00 


Dec. 15, 


a 


Westfield, 


. Westfield, . . 




150,000 00 


Sept. 6, 


u 


Woburn, 


. Woburn, . , 




150,000 00 


Mar. 9, 


a 


Worcester Coi 


mty, . Blackstone, , 




100,000 00 


Sept. 1, 


« 


Wrentham, 


. Wrentham, . 




105,000 00 


Aug. 2, 


u 



In the Appendix (A,) may be found a complete list of all 
the banks in this Commonwealth which have become National 
Banking Associations, with the date of the examinations made 
on account of their conversion. 



1866.] 



PUBLIC DOCUMENT— No. 8. 



SAYINGS BANKS. 

The number of savings banks in the Commonwealth is one 
hundred and three. In addition to the ninety-eight referred 
to as in operation at the date of our last Report, we have now 
to enumerate the five following : — 



The Boston Penny Savings Bank, 
The Amherst Savings Bank, 
The People's Savings Bank, 
The Union Institution for Savings, 
The Sandwich Savings Bank, . 



in Boston. 
Amherst. 
Worcester. 
Boston. 
Sandwich. 



The first of the above named institutions was originally 
chartered in 1861, but did not go into operation until April, 
1864. The Amherst Savings Bank, and the People's Savings 
Bank in Worcester, were incorporated in 1864, and commenced 
business early in 1865. Three institutions were chartered by 
the last legislature, the two last named above, and the Leomin- 
ster Savings Bank, in Leominster, which has not yet been 
organized. The Union Institution in Boston went into opera- 
tion on the first day of May last. The Sandwich Savings Bank 
was organized November 11, and will be ready to commence 
business, it is expected, on the first of January, 1866. 

During the past year the Commissioners have examined the 
fifty savings institutions whose names are given below : — 

Savings Institutions Examined — 1865. 



NAME. 




Bate of 
Examination. 



Attleborough Savings Bank, . 
Berkshire County Savings Bank, 
Boston Penny Savings Bank, 
Cambridgeport Savings Bank, 
Chicopee Savings Bank, 
City Institution for Savings, . 
Clinton Savings Bank, . 
Danvers Savings Bank, . 



Attleborough, 
Pittsfield, . 
Boston, 
Cambridge, 
Chicopee, . 
Lowell, . . 
Clinton, 
Danvers, . 



Oct. 13, 1865. 

June 8, 
March 17, 

June 20, 

June 27, 

Oct. 3, 

Sept. 13, 

Sept. 22, 



8 



BANK COMMISSIONERS' REPORT. 



[Jan. 



Savings Institutions Examined — Continued. 



• 






Datp nf 




NAME. 




Place. 














Examination. 


Dedbam Institution for Savings, 


• 


Dedham, . . . 


Nov. 


10,: 


L865. 


Dorchester Savings Bank, 


• 


Dorchester, . . 


Oct. 


2, 


« 


East Boston Savings Bank, . 


• 


Boston, . . . 


Nov. 


ii, 


cc 


East Cambridge Five Cents Savings B'nk, 


Cambridge, . . 


Oct. 


25, 


u 


Eliot Five Cents Savings Bank, 


• 


Roxbury, . . . 


April 


12, 


a 


Essex Savings Bank, 


• 


Lawrence, . . 


Oct. 


10, 


« 


Fall River Five Cents Savings Bank, 


• 


Fall River, . . 


July 


5, 


« 


Foxborough Savings Bank, . 


. 


Foxborough, . . 


Aug. 


2, 


a 


Institution for Savings in Newburyp 


ort 




CJ 






and its vicinity, .... 


. 


Newburyport, 


May 


25, 


u 


Institution for Savings in Roxbury and 










its vicinity, .... 


. 


Roxbury, . . . 


Oct. 


6, 


(( 


Institution for Savings, in the Town 


of 










Newton, ..... 


• 


Newton, . . . 


Oct. 


24, 


(( 


Lancaster Savings Bank, 


• 


Lancaster, . . 


Sept. 


13, 


(( 


Lee Savings Bank, 


• 
• 


Lee, .... 


April 


7, 


M 


Lowell Five Cents Savings Bank, . 


• 


Lowell, ... 


July 


11, 


u 


Lowell Institution for Savings, 


• 


Lowell, . . . 


Oct. 


3, 


a 


Lynn Institution for Savings, 


• 


Lynn, .... 


Oct. 


17, 


a 


Maiden Savings Bank, . 


a 


Maiden, . . . 


Oct. 


25, 


u 


Marlborough Savings Bank, . 


. 


Marlborough, 


Sept. 


21, 


a 


Middlesex Institution for Savings, . 


• 


Concord, . . . 


Dec. 


lo 


a 


Nantucket Institution for Savings, . 


. 


Nantucket, 


May 


5. 


u 


North Adams Savings Bank, . 


• 


North Adams, 


June 


6, 


a 


Northampton Institution for Savings 


• 


Northampton, 


Sept. 


5, 


u 


North Brookfield Savings Bank, 


• 


North Brookfield, 


Sept. 


19, 


u 


North Easton Savings Bank, 


, 


Easton, . . . 


Nov. 


3, 


a 


Provident Institution for Savings in 


the 










Town of Boston, 


• 


Boston, . . . 


Dec. 


21, 


a 


Quincy Savings Bank, . 


. 


Quincy, . . . 


Sept. 


iJVj 


« 


Rock port Savings Bank, 


. 


Rockport, . . . 


July 


13, 


u 


Salem Five Cents Savings Bank, . 


. 


Salem, .... 


Sept. 


— ■ — % 


a 


Savings Institution in the Town of Cam- 










bridge, . . . . 


. 


Cambridge, . . 


Sept. 


27, 


u 


Seamen's Savings Bank, 


. 


Provincetown 


March 22, 


u 


Shelburne Falls Five Cents Savings B' 


tik, 


Shelburne, . . 


Sept. 


7, 


a 


Southbridge Savings Bank, . 


• 


Southbridge, . . 


Sept. 


12, 


a 


Springfield Institution for Savings, 


• 


Springfield, . . 


June 


27, 


a 


Waltham Savings Bank, 


• 


Waltham, . . . 


Nov. 


15, 


a 


Ware Savings Bank, 


• 


Ware, .... 


Sept. 


19, 


u 


Warren Institution for Savings, 


• 


Charlestown, . . 


Sept. 


26, 


a 


West Cambridge Five Cents Savings B'k, 


West Cambridge, 


Nov. 


21, 


a 


W'inchendon Savings Bank, . 


. 


Winchendon, . . 


May 


23, 


a 


Worcester County Institution for Savings, 


Worcester, . . 


Sept. 


8, 


a 


Worcester Five Cents Savings Bank, 


# 


Worcester, . . 


Sept. 


12, 


u 


Worcester Mechanics' Savings Bank, 


a 


Worcester, . • 


Sept. 


12, 


a 


Westfield Savings Bank, 


• 


Westfield, . . 


Sept. 


6, 


a 



The general condition of the above named institutions, at the 
time of examination, will appear in the following Abstracts : — 



1866.] 



PUBLIC DOCUMENT— No. 8. 



9 



BOSTON PENNY SAYINGS BANK— BOSTON. 

[March 17.] 

Wm. F. Richardson, President. Treasurer, Nathan P. Lamson. 



Deposits, ........ 


$69,901 22 




Public Funds, . . 




$58,633 54 


Bank Stock, 




_ _ 


Real Estate, ...... 




— — 


Loans on Public Funds, .... 




— — 


on Real Estate, .... 




— — 


on Personal Security, 




- - 


to Counties, Cities and Towns, 




— — 


Expense Account, ..... 




3,075 80 


Cash on hand, . . . . 




8,191 88 




$69,901 22 


$69,901 22 



Number of Depositors, 

Rate of ordinary dividends for the last year, . 
Amount of ordinary dividends for the last year, 
Incorporated March 9, 1861. 
Went into operation April 18, 1864. 
Extra dividends* are to be made once in 



2,358 
5 per cent. 

$291 75 



Five years. 



* Computed from Second Wednesday of April, 3864. 



SEAMEN'S SAVINGS BANK— PROVINCETOWN. 

[March 22.] 

David Fairbanks, President Treasurer, Enos Nickerson. 



Deposits, .... 


• • i 


$297,392 92 




Dividend Account, 


• • t 


11,919 41 




Interest Account, 


• • 


814 81 




Public Funds, . . . 


• ■ • 




$100,393 00 


Bank Stock, 


• • 




28,998 05 


Loans on Real Estate, 


• • « 




73,511 00 


on Personal Security, 


• • 


r 


76,222 47 


to Counties, Cities and Towns, 




20,716 40 


Deposited in Bank, . 


. • • 




4,000 00 


Expense Account, including 


Profit & Loss 


f 


308 64 


Cash on hand, . 


• • - 


i 


5,977 58 




$310,127 14 


$310,127 14 



Number of Depositors, ...... 

Rate of ordinary dividends for the last year, . 
Amount of ordinary dividends for the last year, . 
Average annual rate of dividends, last three years, 
Last annual dividend of profits, .... 

Dividends of all the profits are made 

Largest amount invested in the stock of any one bank, 

Average annual expenses, 



1,104 
4 per cent. 

$7,192 00 
1\ per cent. 

$17,020 00 
Annually. 

$8,000 00 
775 00 



10 



BANK COMMISSIONERS' REPORT. 



[Jan. 



LEE SAVINGS BANK— LEE. 

[April 7.] 

Harrison Garfield, President Treasurer, John M. Howk. 



Deposits, 


$91,383 27 




Profits, 






1,562 55 




Public Funds, .... 








$55,800 00 


Bank Stock, . . 








9,957 83 


Real Estate, 








— — 


Loans on Public Funds, 








2,500 00 


on Real Estate, 








20,150 00 


on Personal Security, 








3,450 00 


Expense Account, 








227 11 


Cash on hand, . 








860 88 








•192,945 82 


$92,945 82 



Number of Depositors, ..... 

Rate of ordinary dividends for the last year, . 

Amount of ordinary dividends for the last year, 

Average annual rate of dividends, 

Last dividend of reserved profits, in May, 1857, 

Extra dividends are made once in 

Largest amount invested in the stock of any one bank, 

Average annual expenses, 



535 

5 per cent. 

$3,180 

6| per cent. 

$946 

Five vears. 

$5,424 

210 



73 

87 

50 
00 



ELIOT FIVE CENTS SAVINGS BANK— ROXBURY. 

[April 12.] 

William S. Leland, President. Treasurer, C. R. Washburn. 



Deposits, . 

Profits, 

Public Funds, . 

Bank Stock, 

Real Estate, 

Loans on Public Funds, 

on Bank Stock, 

on Real Estate, 

on Personal Security, 
Expense Account, (Furniture & fixtures,) 
Cash on hand, ...... 



$62,758 28 
580 01 



$63,338 29 



$39,500 00 
7,200 00 



10,750 00 

400 00 

5,488 29 

$63,338 29 



Number of Depositors, ..... 
Rate of ordinary dividends for the last year, . 
Amount of ordinary dividends for the last year, 
Incorporated February 8, 1864. 
Commenced business April 13, 1864. 
Extra dividends are to be made in 
Expenses the last year, about 



814 
. 4 per cent. 

$1,100 84 



. Five years. 

$900 00 



1866.] 



PUBLIC DOCUMENT— No. 8. 



11 



NANTUCKET INSTITUTION FOE SAVINGS— NANTUCKET. 

[May 5.] 

George Cobb, President. Treasurer, Matthew Barney. 



Deposits, ....... 


$299,311 96 




Profits, ..... 






21,437 20 




Public Funds, .... 








$38,924 55 


Bank Stock, .... 








103,256 00 


Real Estate, .... 








3,000 00 


Loans on Public Funds, 








500 00 


on Bank Stock, 








950 00 


on Real Estate, 








134,819 98 


on Personal Security, 








23,221 01 


Suspended Debt, 








5,269 60 


Loans to Banks, on interest, 








1,351 34 


Premium Account, 


• 






5,732 14 


Expense Account, 








394 12 


Cash on hand, . 








3,330 42 








1320,749 16 


$320,749 16 



Number of Depositors, 

Rate of ordinary dividends for the last year, . 
Amount of ordinary dividends for the last year, . 
Extra dividends are not made. 

Largest amount invested in the stock of any one bank, . 
Average annual expenses, ...... 



1,230 
§\ per cent. 

' $17,405 50 

17,800 00 
1,100 00 



WINCHENDON SAYINGS BANK— WINCHENDON. 

[May 23.] 

E. Murdock, Jr., President. Treasurer, C. L. Beals. 



Deposits, . 

Profits, 

Public Funds, . 

Bank Stock, . . 

Bank Stock Premium, 

Loans on Real Estate, 

on Personal Security, 
Cash on hand, . 



$70,196 56 
1,841 82 



$72,038 38 



529,450 00 

20,000 00 

1,444 50 

15,673 93 

2,076 43 

3,393 52 



$72,038 38 



Number of Depositors, ....... 

Rate of ordinary dividends for the last year, . 

Amount of ordinary dividends for the last year, . 

Average annual rate of dividends, 

Last dividend of reserved profits, in November, 1864, 

Extra dividends are made once in . 

Largest amount invested in the stock of any one bank, 

Average annual expenses, ..... 



614 
4^ per cent. 

' $2,982 28 
Not stated. 

$2,729 78 
Five years. 

$9,000 00 
200 00 



12 



BANK COMMISSIONERS' REPORT. 



[Jan. 



INSTITUTION FOR SAVINGS— NEVVBURYPORT. 

[May 25.] 

Edward S. Moseley, President. Treasurer, Richard Stoxe. 



Deposits, . . 


$1,669,519 00 




Profits, ...... 




1-2,361 81 




Due First National Bank, . 




41,858 19 




Public Funds, 






$293,040 00 


Bank Stock, ..... 






774,945 00 


Real Estate, .... 






15,000 00 


Loans on Public Funds, 






6,500 00 


on Bank Stock, 






200 00 


on Real Estate, 






286,049 34 


on Personal Security, 






19,192 00 


to Counties, Cities and Towns, 




. 


293,894 00 


to Corporations, 






1,150 00 


Annuity in Trust, 






7,277 05 


Fifty Associates, 






25,000 00 


Expense Account, 






298 04 


Cash on hand, .... 


• 




1,196 60 






$1,723,742 03 


$1,723,742 03 



Number of Depositors, ....... 

Rate of ordinary dividends for the last year, . 
Amount of ordinary dividends for the last year, 
Average annual rate of dividends, for the last five years, 
Last dividend of reserved profits, in April, 1865, . 
Extra dividends are made once in ... . 

Largest amount invested in the stock of any one bank, . 
Average annual expenses, about ..... 



6,426 
5^ per cent. 

$90,025 08 

8j|g per cent. 

$102,045 39 

Five years. 

$50,800 00 

3,500 00 



NORTH ADAMS SAVINGS BANK— ADAMS. 

[June 6.] 

Rodman H. Wells, President. Treasurer, E. D. Whitaker. 



Deposits, ....... 


$163,861 62 




Profits, ....... 


6,773 08 




Public Funds, ...... 




$48,190 00 


Bank Stock, • . 




9,900 00 


Loans on Public Funds, .... 




5,300 00 


on Bank Stock, .... 




1,250 00 


on Real Estate, .... 




18,875 00 


on Personal Security, 




57,318 00 


to Counties, Cities and Towns, 




18,195 00 


Cash in Bank, . 




11,218 31 


Cash on hand, ...... 

• 




388 39 


. 


$170,634 70 


$170,634 70 



Number of Depositors, ..... 
Rate of ordinary dividends for the last year, . 
Amount of ordinary dividends for the last year, 
Average annual rate of dividends, since 1858, 
Last dividend of reserved profits, in July, 1858, 
Largest amount invested in the stock of any one bank, 
Average annual expenses, ..... 



779 
5 per cent. 

$6,144 97 
5 per cent. 

$964 78 

5,500 00 

231 42 



1866.] 



PUBLIC DOCUMENT— No. 8. 



13 



BERKSHIRE COUNTY SAVINGS BANK— PITTSFIELD. 

[June 8.] 

Julius Rockwell, President. Treasurer, James Warriner. 



Deposits, 


$487,777 35 




Profits, .... 






34,228 31 




Public Funds, .... 








$255,000 00 


Bank Stock, .... 








79,420 00 


Real Estate, 








— — 


Loans on Public Funds, 








4,250 00 


on Bank Stock, 








1,500 00 


on Real Estate, 








40,224 00 


• on Personal Security, 








67,730 00 


to Counties, Cities and Towns, 




30,000 00 


Cash on hand, . . . . 




43,881 66 








$522,005 66 


$522,005 66 



Number of Depositors, . . ... 

Rate of ordinary dividends for the last year, . 

Amount of ordinary dividends for the last year, . 

Average annual rate of dividends, 

Last dividend of reserved profits, in January, 1857, 

Largest amount invested in the stock of any one bank, 

Average annual expenses, for the last five years, . 



2,026 
54 per cent. 

4 $21,987 36 
7 per cent. 

$4,902 34 

8,000 00 

891 28 



CAMBRIDGEPORT SAVINGS BANK— CAMBRIDGE. 

[June 20.] 

Benjamin Tilton, President. Treasurer, Lucius R. Paige. 



Deposits, . 


i • • • 


$186,862 54 




Profits, . 


• • • 


17,470 63 




Public Funds, . 


* • • • 




$93,912 85 


Bank Stock, 


• • • 




17,095 33 


Real Estate, 


• • • 




_ _ 


Loans on Bank Stock, 


• • • 




300 00 


on Real Estate, 


• • • 




65,900 00 


to Counties, Cities a 


nd Towns, 




22,192 00 


Expense Account, 


• • • 




4,386 35 


Cash on hand, . 


• • • 




546 64 




$204,333 17 


$204,333 17 



Number of Depositors, ...... 

Rate of ordinary dividends for the last year, . 

Amount of ordinary dividends for the last year, . 

Average annual rate of dividends, 

Last dividend of reserved profits, in October, 1863, 

Extra dividends are made once in 

Largest amount invested in the stock of any one bank, 

Average annual expenses, about .... 



1,046 
4 per cent. 

$7,159 83 
71 per cent. 

$12,646 73 
Five years. 

$5,000 00 
525 00 



14 



BANK COMMISSIONERS' REPORT. 



[Jan. 



SPRINGFIELD INSTITUTION FOR SAVINGS— SPRINGFIELD. 

[June 27.] 
Josiah Hooker, President. Treasurer, Henry S. Lee. 



Deposits, ........ 


$1,289,766 67 




Profits, 








88,887 77 




Public Funds, . 










$465,900 00 


Bank Stock, . . . 










194,625 00 


Real Estate, 










23,000 00 


Loans on Public Funds, 










33,000 00 


on Bank Stock, 










6,500 00 


on Real Estate, 










464,795 00 


on Personal Security, 








18,350 00 


to Counties, Cities and Towns, 




105,000 00 


Cash on hand, ...... 




67,484 44 










■$1,378,654 44 


$1,378,654 44 



Number of Depositors, ..... 

Rate of ordinary dividends for the last year, . 

Amount of ordinary dividends for the last year, 

Average annual rate of dividends, 

Last dividend of reserved profits, in July, 1864, 

Extra dividends are made once in 

Largest amount invested in the stock of anv one bank, 

Average annual expenses, ..... 



4,983 
5 per cent. 

$63,408 19 
5^ per cent. 

$15,130 60 
Five vears. 
$15,000 00 
2,955 47 



CHICOPEE SAYINGS BANK— CHICOPEE. 



[June 27.] 



Jerome Wells, President. 



Treasurer, H. H. Harris. 



Deposits, . 

Profits, 

Public Funds, 

Bank Stock, 

Real Estate, 

Loans on Real Estate, 

on Personal Security, 
Cash on hand, . 



$99,049 35 
2,708 95 



$101,758 30 



$24,500 00 
8,200 00 

46,156 04 

18,195 25 

4,707 01 



$101,758 30 



Number of Depositors, 

Rate of ordinary dividends for the last year, . 

Amount of ordinary dividends for the last year, 

Average annual rate of dividends, 

Last dividend of reserved profits, in April, 1864, 

Extra dividends are made once in 

Largest amount invested in the stock of any one bank, 

Average annual expenses, ..... 



500 
5 per cent. 

$4,708 15 
7 per cent. 

$3,307 76 
Five years. 

$5,000 00 
400 00 



1866.] 



PUBLIC DOCUMENT— No. 8. 



15 



FALL RIVER FIVE CENTS SAVINGS BANK— FALL RIVER. 

[July 5.] 
S. Axgier Chace, President Treasurer, C. J. Holmes. 



Deposits, ....... 


$255,810 27 




Interest, 






9,818 26 




Second National Bank, 






6,887 73 




Public Funds, . 








$131,000 00 


Bank Stock, .... 








128,400 00 


Real Estate, .... 






» 


— — 


Loans on Public Funds, 








— _ 


on Personal Security, 








13,100 00 


Expense Account, 








5 -00 


Cash on band, 




11 26 








$272,516 26 


$272,516 26 



Number of Depositors, ....... 

Rate of ordinary dividends for the last year, . 

Amount of ordinary dividends for the last year, 

No extra dividends are made. 

Largest amount invested in the stock of any one bank, . 

Average annual expenses, about ..... 



2,482 
7 per cent. 
$16,406 21 

$25,400 00 
750 00 



LOWELL FIVE CENTS SAVINGS BANK— LOWELL. 

[July 11.] 

Horatio Wood, President. Treasurer, A. S. Tyler. 



Deposits, 


$638,019 67 




Profits, ....... 


25,175 52 




Public Funds, 




$158,900 00 


Bank Stock, ...... 




120,000 00 


Real Estate, ...... 




— _ 


Loans on Bank Stock, .... 




15,900 00 


on Real Estate, .... 




298,640 00 


on Personal Security, 




20,350 00 


to Counties, Cities and Towns, 




43,000 00 


to Banks, on interest, 




5,000 00 


Expense Account, ..... 




1 70 


Cash on hand, ...... 




1,403 49 


• 


$663,195 19 


$663,195 19 



Number of Depositors, 

Rate of ordinary dividends for the last year, . 
Amount of ordinary dividends for the last year, . 
Average annual rate of dividends, last three years, 
Last dividend of reserved profits, in July, 1863, . 
Extra dividends are made once in 
Largest amount invested in the stock of any one bank, 
Expenses for the last year, 



4,057 
4 per cent. 

' $25,386 40 
6^ per cent. 

$11,927 72 
Three years. 
$15,000 00 
1,933 48 



16 



BANK COMMISSIONERS' REPORT. 



[Jan. 



ROCKPORT SAYINGS BANK— ROCKPORT. 

[July 13.] 

George D. Hale, President. Treasurer, Newell Giles. 



Deposits, 


$62,359 47 




Profits, 








3,511 53 




Balance overdrawn, . 








39 07 




Public Funds, . 










$14,931 23 


Bank Stock, 










25,450 00 


Real Estate, 










_ _ 


Loans on Public Funds, 










2,475 00 


on Bank Stock, 










1,430 00 


on Real Estate, 










16,623 84 


on Personal Securit 


Fi 








— — 


to Counties, Cities and Towns, 




• 5,000 00 


Cash on hand, ...... 




— — 










$65,910 07 


$65,910 07 



Number of Depositors, about .... 

Rate of ordinary dividends for the last year, . 

Amount of ordinary dividends for the last year, 

Average annual rate of dividends, 

Last dividend of reserved profits, in July, 1858, 

Largest amount invested in the stock of any one bank, 

Average annual expenses, about .... 



520 
5 per cent. 

$2,867 03 
Not stated. 

$785 66 

3,700 00 

75 00 



FOXBOROUGH SAVINGS BANK— FOXBOROUGH. 

[August 2.] 

Otis Cary, President. Treasurer, J. E. Carpenter. 



Deposits, 


$30,342 58 




Profits, 


1,284 50 




Public Funds, . ... 




$8,500 00 


Bank Stock, 




4,700 00 


Real Estate, 




— — 


Loans on Real Estate, .... 




13,535 00 


on Personal Security, 




1,650 00 


to Counties, Cities and Towns, 




2,000 00 


Cash on hand, ...... 




1,242 08 




$31,627 08 


$31,627 08 



Number of Depositors, ..... 

Rate of ordinary dividends for the last year, . 

Amount of ordinary dividends for the last year, 

Average annual rate of dividends, 

Last dividend of reserved profits, in May, 1861, 

Extra dividends are made once in 

Largest amount invested in the stock of any one bank, 

Average annual expenses, ..... 



352 

5 per cent. 

$1,351 15 

6 per cent. 

$380 15 
Five vears. 

$1,200 00 
100 00 



1866.] 



PUBLIC DOCUMENT— No. 8. 



17 



NORTHAMPTON INSTITUTION FOR SAV'GS— NORTHAMPTON. 

[September 5.] 

Benjamin Barrett, President. Treasurer, John Whittelsey. 



Deposits, 


$293,816 15 




Profits, 








14,735 73 




Public Funds, . 










$135,726 81 


Bank Stock, 










33,700 00 


Loans on Public Funds, 










1,360 00 


on Bank Stock, 










685 00 


on Real Estate, 










60,861 50 


on Personal Security, 








44,495 00 


to Counties, Cities and Towns, 


■ 


26,625 00 


Cash on hand, 

• 




5,098 57 










$308,551 88 


$308,551 88 



Number of Depositors, 

Rate of ordinary dividends for the last year, . 

Amount of ordinary dividends for the last year, 

Average annual rate of dividends, 

Last dividend of reserved profits, in April, 1863, 

Extra dividends are made once in . 

Largest amount invested in the stock of any one bank, 

Average annual expenses, about .... 



1,657 
5 per cent. 

$16,381 33 
5-i per cent. 

$2,075 11 
Five years. 

$4,000 00 
1,100 00 



WESTFIELD SAYINGS BANK— WESTFIELD. 

[September 6.] 

Charles A. Jessup, President. Treasurer, Henry Hooker. 



Deposits, 


$163,740 86 




Profits, .... 








9,077 50 




Interest, 








2,217 50 




Public Funds, . 










$95,500 00 


Bank Stock, 










6,900 00 


Loans on Public Funds, 










2,100 00 


on Bank Stock, 










6,000 00 


on Real Estate, 










33,200 00 


on Personal Security, 








19,500 00 


to Town of Westfield, 








11,000 00 


Cash on hand, .... 






835 86 










. $175,035 86 


$175,035 86 



Number of Depositors, . 942 

Rate of ordinary dividends for the last year, . . . .5 per cent. 
Amount of ordinary dividends for the last year, . . . $7,882 24 

Avg. annual rate of dividends, for five years ending July, '63, 6^ per cent. 
Last dividend of reserved profits, in 1863, .... $2,211 76 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . $3,700 00 

Average annual expenses, 112 90 



3 



18 



BANK COMMISSIONERS' REPORT. 



[Jan. 



SHELBURNE FALLS FIVE CENTS SAV'GS BANK— SHELBURNE. 

[September 7.] 

Luther Bullard, President. Treasurer, Alanson R. Hawks. 



Deposits, 


$152,806 37 




Profits, .... 






2,833 76 




Suspense, .... 






20 08 




Public Funds, . 








$74,050 00 


Bank Stock, .... 








6,065 00 


Loans on Public Funds, 








1,050 00 


on Real Estate, 








43,228 50 


on Personal Security, 








21,010 00 


to Towns, 








9,300 00 


Deposit in Bank, 








694 43 


Expense Account, 








. 200 00 


Cash on band, .... 








62 28 






- 


$155,660 21 


$155,660 21 



Number of Depositors, ....... 

Rate of ordinary dividends for the last year, . 
Amount of ordinary dividends for the last year, . 
Extra dividends are not made. 

Largest amount invested in the stock of any one bank, . 
Average annual expenses, about . 



1,146 
6 per cent. 

$6,965 34 

5,700 00 
650 00 



WORCESTER CO. INSTITUTION FOR SAVINGS— WORCESTER. 

[September 8.] 

Stephen Salisbury, President Treasurer, Charles A. Hamilton. 



Deposits, 


$2,956,781 97 




Profits, .... 


. 


149,681 00 




Interest, 


» • • • 


24,019 38 




Suspense, .... 


• • • 


4,405 80 




Public Funds, . 


• • • 




$851,400 00 


Bank Stock, 


• • • 




601,700 00 


Loans on Public Funds, 


• • • 




32,525 00 


on Bank Stock, 


• • • 




13,970 00 


on Real Estate, 


• • • 




1,030,877 26 


on Personal Securit) 


', . . . 




141,772 87 


to Counties, Cities and Towns, 




415,409 70 


to Banks, on interest, 




27,060 71 


Expense Account, 




92 85 


Cash on hand, • 




20,079 76 






$3,134,888 15 


$3,134,888 15 



Number of Depositors, 

Rate of ordinary dividends for the last year, . 

Amount of ordinary dividends for the last year, 

Average annual rate of dividends, 

Last dividend of reserved profits, in July, 1863, 

Extra dividends are made once in . 

Largest amount invested in the stock of any one bank, 

Average annual expenses, about .... 



13,253 
5 per cent. 

$152,923 23 
54 per cent. 

$47,781 13 
Five years. 
$63,600 00 
6,500 00 



1866.] 



PUBLIC DOCUMENT— No. 8. 



19 



SOUTHBRIDGE SAYINGS BANK-*-SOIJTHBRIDGE. 

[September 12.] 

Samuel Hartwell, President. Treasurer, Samuel M. Lane. 



Deposits, ....... 


$262,545 46 




Profits, 


■ 


14,412 24 




Public Funds, .... 






$145,020 00 


Bank Stock, .... 






23,000 00 


Loans on Public Funds, 






2,400 00 


on Bank Stock, 






10,140 00 


on Peal Estate, 






37,450 00 


on Personal Security, 






26,150 00 


to Counties, Cities and Towns, 




25,100 00 


Commonwealth of Massachusetts, 




375 61 


Expense Account, ..... 




4 99 


United States Taxes, 




194 41 


Cash on hand, 




7,122 69 






$276,957 70 


• $276,957 70 



Number of Depositors, . . ... 

Rate of ordinary dividends for the last year, . 

Amount of ordinary dividends for the last year, 

Average annual rate of dividends, 

Last dividend of reserved profits, in July, 1863, 

Extra dividends are made once in . 

Largest amount invested in the stock of any one bank, 

Average annual expenses, for the last three years, 



1,294 
4 per cent. 

$9,582 38 
6 per cent. 

$5,740 19 
Five years. 
$11,500 00 
583 16 



WORCESTER MECHANICS' SAVINGS BANK— WORCESTER. 

[September 12.] 

Harrison Bliss, President. Treasurer, Henry Woodward. 



Deposits, 


$979,876 12 




Profits, .... 


i • • ■ 


22,159 23 




Interest, .... 


• • • 


5,804 87 




Public Funds, . 


• • • 




$267,500 00 


Bank Stock, 


* • • 




117,500 00 


Loans on Public Funds, 


t • • • 




17,775 00 


on Bank Stock, 


• • • 




12,470 00 


on Real Estate, 


• • • 




441,251 25 


on Personal Security, 




97,639 08 


to Counties, Cities and Towns, 




29,025 00 


Expense Account, 




• 2,002 71 


Cash on hand, 




22,677 18 






$1,007,840 22 


$1,007,840 22 



Number of Depositors, 

Rate of ordinary dividends for the last year,. 

Amount of ordinary dividends for the last year, 

Average annual rate of dividends, 

Last dividend of reserved profits, in 1862, 

Extra dividends are made once in . 

Largest amount invested in the stock of any one bank, 

Average annual expenses, about .... 



3,760 
5 per cent. 

$49,320 54 
6$ per cent. 

$29,387 21 
Five years. 
$27,400 00 
2,500 00 



20 



BANK COMMISSIONERS' REPORT. 



[Jan. 



WORCESTER FIVE CENTS SAVINGS BANK— WORCESTER. 

[September 12.] 

Charles L. Putnam, President. Treasurer, Clarendon Harris. 



Deposits, ....... 


$220,639 32 




Profits, ..... 






17,758 60 




Due Quinsigamond Bank, . 






791 03 




Public Funds, .... 








$76,300 00 


Bank Stock, 








72,400 00 


Loans on Public Funds, 




. • • 




1,800 00 


on Real Estate, 








15,200 00 


on Personal Security, 








6,500 00 


to Cities and Towns, 








65,500 00 


Expense Account, 








655 00 


Tax Account, . 








565 67 


Cash on hand, . 








268 28 








$239,188 95 


$239,188 95 



Number of Depositors, 

Rate of ordinary dividends for the last year, . 
Amount of ordinary dividends for the last year, 
Average annual rate of dividends, 
Last dividend of reserved profits, in July, 1859, 
Largest amount invested in the stock of any one bank, 
Average annual expenses, about .... 



2,621 
5 per cent. 

$11,250 67 
5 per cent. 

$896 12 

8,000 00 

700 00 



LANCASTER SAVINGS BANK— LANCASTER. 

[September 13.] 

Henry Wilder, President. Treasurer, Caleb T. Symmes. 



Deposits, . . . . 


• • • 


$348,417 35 




Public Funds, . 


• • • 




$172,146 25 


Bank Stock, 


■ • • 




46,300 00 


Loans on Bank Stock, 


• • • 




2,360 00 


on Real Estate, 


• • • 




95,230 00 


on Personal Security, 


• • • 




22,091 67 


to Counties, Cities and Towns, 




3,100 00 


Profit and Loss, . 


« • • 




1,170 89 


Expense Account, 


• • • 




1,096 04 


Cash on hand, . 


• • • 




4,922 50 




$348,417 35 


$348,417 35 



Number of Depositors, 

Rate of ordinary dividends for the last year, . 

Amount of ordinary dividends for the last year, 

Average annual rate of dividends, 

Last dividend of reserved profits, in July, 1865, 

Extra dividends are made once in . 

Largest amount invested in the stock of any one bank, 

Average annual expenses, 



1,490 
5 per cent. 

$16,786 95 
7 per cent. 

$20,854 94 
Five years. 

~3,300 00 
820 00 



1866.] 



PUBLIC DOCUMENT— No. 8. 



21 



CLINTON SAYINGS BANK— CLINTON. 

[September 13.] 

Horatio N. Bigelow, President. Treasurer, C. L. S. Hammond. 



Deposits, .... 

Profits, .... 

Public Funds, . . ^" 

Bank Stock, ... 

Loans on Public Funds, 
on Bank Stock, 
on Real Estate, 
on Personal Security, 
to Town of Clinton, 

Cash on hand, . 



$129,379 06 
3,744 51 



$133,123 57 



$42,600 00 

20,000 00 

660 00 

1,400 00 

16,000 00 

20,875 00 

28,000 00 

3,588 57 



$133,123 57 



Number of Depositors, 

Rate of ordinary dividends for the last year, . 

Amount of ordinary dividends for the last year, . 

Average annual rate of dividends, 

Last dividend of reserved profits, in October, 1861, 

Extra dividends are made once in 

Largest amount invested in the stock of any one bank, 

Average annual expenses, ..... 



721 

5 per cent. 

$5,567 13 
7 per cent. 

$2,573 02 
Five years. 
$20,000 00 
600 00 



William Hyde, President. 



WARE SAVINGS BANK— WARE. 

[September 19.] 

Treasurer, Otis Lane. 



Deposits, . 

Profits, 

Interest, 

Public Funds, 

Bank Stock, 

Loans on Public Funds, 
on Bank Stock, 
on Real Estate, 
on Personal Security, 
to Towns, 

Expense Account, 

Tax Account, . 

Cash on hand, . 



$465,834 90 
1,958 98 
1,909 96 



$469,703 84 



$201,900 00 

121,500 00 

1,500 00 

5,150 00 

80,455 68 

29,222 36 

22,300 00 

208 95 

335 09 

7,131 76 



$469,703 84 



Number of Depositors, . ... 

Rate of ordinary dividends for the last year, 

Amount of ordinary dividends for the last year, 

Average annual rate of dividends, 

Last dividend of reserved profits, in July, 1865, 

Extra dividends are made once in 

Largest amount invested in the stock of any one bank, 

Average annual expenses, 



1,910 
5 per cent. 

$21,614 10 
7| per cent. 

$17,655 52 
Five years. 
$21,900 00 
1,700 00 



22 



BANK COMMISSIONERS' REPORT. 



[Jan. 



NORTH BROOKFIELD SAVINGS BANK— NORTH BROOKFIELD. 

[September 19.] 

Charles Adams, Jr., President. Treasurer, Bonum Nye. 



Deposits, .... 


• • • 


$57,323 31 




Profits, .... 


• 




660 53 




Public Funds, . 


• 






$29,500 00 


Bank Stock, 


• i 






5,400 00 


Real Estate, 


• i 






— — 


Loans on Real Estate, 


• < 






11,492 75 


on Personal Security, 


• i 






5,991 00 


to Town of North Brookfield, 


, i . 




4,645 00 


Expense Account, 


• 






125 01 


Cash on hand, . , . 


• 






830 08 








$57,983 84 


$57,983 84 



Number of Depositors, 

Rate of ordinary dividends for the last year, . 

Amount of ordinary dividends for the last year, 

Average annual rate of dividends, 

Last dividend of reserved profits, in January, 1865, 

Extra dividends are made once in . 

Largest amount invested in the stock of any one bank, 

Average annual expenses, 



530 

5 per cent. 

$2,587 00 

6 per cent. 

$824 81 
Five years. 

$2,000 00 
168 00 



MARLBOROUGH SAVINGS BANK— MARLBOROUGH. 

[September 21.] 

Mark Fay, President. Treasurer, Edmund C. Whitney. 



Deposits, 


$37,649 45 




Profits, 






1,514 04 




Public Funds, .... 








$15,000 00 


Bank Stock, .... 








13,600 00 


Real Estate, .... 








— — 


Loans on Real Estate, 








4,400 00 


on Personal Securitv, 








— — 


to Towns, 








5,000 00 


Cash on hand, . 








1,163 49 




$39,163 49 


$39,163 49 


Number of Depositors, ....... 


356 


Rate of ordinary dividends for the last year, . 




. 5 per cent. 


Amount of ordinary dividends for the last year, . 




$1,437 38 


Average annual rate of dividends, .... 




54 per cent. 


First dividend of reserved profits, in July, 1865, . 




$755 67 


Extra dividends are made once in . ... 




Five years. 


Largest amount invested in the stock of any one bank, 




$13,600 00 


Average annual expenses, about ..... 




125 00 



1866.] 



PUBLIC DOCUMENT— No. 8. 



23 



DANVERS SAVINGS BANK— DANVERS. 

[September 22.] 

Rufus Putnam, President. Treasurer, William L. Weston. 



Deposits, 


$327,058 76 




Profits, . . 






20,440 52 




Public Funds, . 








$162,200 00 


Bank Stock, 








72,500 00 


Loans on Public Funds, 








300 00 


on Bank Stock, 








3,215 00 


on Real Estate, 








82,547 25 


on Personal Security, 








14,085 21 


to Town of Danvers, 








8,500 00 


Expense Account, 








687 15 


Cash on hand, . ... 






3,464 67 


• 






$347,499 28 


$347,499 28 



Number of Depositors, 

Rate of ordinary dividends for the last year, . 

Amount of ordinary dividends for the last year, 

Average annual rate of dividends, 

Last dividend of reserved profits, in October, 1860, 

Extra dividends are made once in 

Largest amount invested in the stock of any one bank, 

Average annual expenses, about .... 



1,704 
5 per cent. 

$15,954 57 
6A- per cent. 

$13,119 81 
Five years. 
$18,000 00 
750 00 



SALEM FIVE CENTS SAVINGS BANK— SALEM. 

[September 22.] 

Henry S. Williams, President. Treasurer, J. Vincent Browne. 



Deposits, 


$363,195 40 




Profits, . 








20,635 40 




Public Funds, . 










$190,589 36 


Bank Stock, 










33,149 00 


Loans on Public Funds, 










3,700 00 


on Bank Stock, 










500 00 


\ on Real Estate, 










96,600 00 


on Personal Security, 








20,500 00 


to Counties, Cities and Towns, 




37,600 00 


Cash on hand, ...... 




1,192 44 










$383,830 80 


$383,830 80 



Number of Depositors, . 2,989 

Rate*of ordinary dividends for the last year, . . . .5 per cent. 
Amount of ordinary dividends for the last year, . . . $18,689 05 

Average annual rate of dividends, 6 per cent. 

First dividend of reserved profits, in July, '65, 1 pr. ct. pr. annum for 5 yrs. 
Largest amount invested in the stock of any one bank, . . $9,105 50 

Average annual expenses, about 2,000 00 



24 



BANK COMMISSIONERS' REPORT. 



[Jan. 



WARREN INSTITUTION FOR SAVINGS— CHARLESTOWN. 

[September^.] 

James Adams, President. Treasurer, George F. Tufts. 



Deposits, ....... 


$1,506,414 73 




Profit and Loss, ..... 


28,597 95 




Interest, ....... 


64,960 33 




Rents, ....... 


1,552 84 




Public Funds, 




$446,000 00 


Bank Stock, 




53,700 00 


Real Estate, 




61,644 32 


Loans on Real Estate, .... 




713,650 00 


on Personal Security, 




4,300 00 


to Counties, Cities and Towns, 




261,095 00 


Interest accrued, ...... 




29,780 70 


Expense Account, 




2,757 15 


Cash on hand, 




28,598 68 




$1,601,525 85 


$1,601,525 85 



Number of Depositors, 

Rate of ordinary dividends for the last year, . 

Amount of ordinary dividends for the last year, 

Average annual rate of dividends, 

Last dividend of reserved profits, in January, 1865, 

Extra dividends are made once in . 

Largest amount invested in the stock of any one bank, 

Average annual expenses, ..... 



5,749 
4 per cent. 

$62,842 23 
6 per cent. 

$103,775 48 
Five years. 
$19,000 00 
5,878 35 



SAYINGS INSTITUTION IN THE TOWN OF CAMBRIDGE- 
CAMBRIDGE. 

[September 27-] 

Charles Beck, President. Treasurer, William L. Whitney 



Deposits, . 

Profits, 

Public Funds, . 

Bank Stock, 

Loans on Bank Stock, 
on Real Estate, 
on Personal Security, 

Cash on hand, . 



$488,482 50 
11,393 27 



$499,875 77 



$105,014 14 

2,526 00 

2,000 00 

358,538 00 

27,750 00 

4,047 63 



$499,875 77 



Number of Depositors, 

Rate of ordinary dividends for the last year, . 

Amount of ordinary dividends for the last year, . 

Average annual rate of dividends, about 

Last dividend of reserved profits, in January, 1865, 

Extra dividends are made once in . 

Largest amount invested in the stock of any one bank, 

Average annual expenses, about .... 



2,152 
5 per cent. 
, $24,054 42 
7 per cent. 

$14,967 33 
Five years. 

$2,526 00 
1,275 00 



1866.] 



PUBLIC DOCUMENT— No. 8. 



* 
25 



QUINCY SAVINGS BANK— QUINCY. 

[September 29.] 

Josiah Brigham, President. Treasurer, John C. Randall. 



Deposits, 


$345,424 74 




Profits, 






3,901 71 




Public Funds, .... 








$136,000 00 


Bank Stock, 








51,734 86 


Real Estate, .... 








2,354 52 


Loans on Bank Stock, 








2,450 00 


on Real Estate, . , 








138,420 00 


on Personal Security, 








7,000 00 


to Town of Quincy, 








4,000 00 


Expense Account, 








368 00 


Cash on hand, .... 








6,999 07 


• 






$349,326 45 


$349,326 45 



Number of Depositors, 

Rate of ordinary dividends for the last year, . 

Amount of ordinary dividends for the last year, 

Average annual rate of dividends, 

Last dividend of reserved profits, in April, 1865, 

Extra dividends are made once in . 

Largest amount invested in the stock of any one bank, 

Average annual expenses, about .... 



1,541 
5 per cent. 

$17,086 03 
7 per cent. 

$15,022 22 
Five years. 
$10,000 00 
725 00 



DORCHESTER SAVINGS BANK— DORCHESTER. 

[October 2.] 

Daniel Denny, President. Treasurer, Charles Howe. 



Deposits, . 

Profits, 

Public Funds, 

Bank Stock, 

Real Estate, 

Loans on Real Estate, 

on Personal Security, 

to Towns, 
Cash on hand, . 



$160,726 57 
8,522 48 



$169,249 05 



$59,842 25 
26,400 00 

55,050 00 
8,900 00 

18,000 00 
1,056 80 



$169,249 05 



Number of Depositors, . ... 

Rate of ordinary dividends for the l^ftt year, . 

Amount of ordinary dividends for the last year, 

Average annual rate of dividends, 

Last dividend of reserved profits, in 1863, 

Extra dividends are made once in . 

Largest amount invested in the stock of any one bank, 

Average annual expenses, 



903 

5 per cent. 

$8,399 79 

6 per cent. 

$3,356 19 
Five years. 

$4,000 00 
716 85 



§6 



BANK COMMISSIONERS' REPORT. 



[Jan, 



LOWELL INSTITUTION FOR SAVINGS— LOWELL. 

[October 3.] 

Theodore Edson, President. Treasurer, James G. Carney. 



Deposits, ....... 


$1,057,145 54 




Profit and Loss, .... 






27,024 83 




Public Funds, .... 








$524,000 00 


Bank Stock, 








103,400 00 


Real Estate, 








20,334 06 


Loans on Bank Stock, 








3,000 00 


on Real Estate, 








36,389 43 


on Personal Security, 








— _ 


to Cities and Towns, 








297,025 00 


to Banks, 








100,000 00 


Cash on hand, 




21 88 








$1,084,170 37 


$1,084,170 37 



Number of Depositors, ...... 

Rate of ordinary dividends for the last year, . 

Amount of ordinary dividends for the last year, . 

Average annual rate of dividends, 

Last dividend of reserved profits, in May, 1865, . 

Extra dividends are made once in 

Largest amount invested in the stock of anv one bank, 

Average annual expenses, about .... 



4,240 
4 per cent. 

$42,798 93 
8A- per cent. 

$173,655 84 
Five years. 
$53,600 00 
3,000 00 



CITY INSTITUTION FOR SAVINGS— LOWELL. 

[October 3-1 
Nathan Allen, President. Treasurer, John A. Buttrick. 



Deposits, ....... 


$1,430,131 37 




Profits, ....... 


96,568 41 




Public Funds, 




$224,322 50 


Bank Stock, ...... 




285,725 00 


Loans on Bank Stock, .... 




8,800 00 


on Real Estate, .... 




361,200 00 


on Personal Security, 




110,800 00 


to Counties, Cities and Towns, 




476,800 00 


to Banks, 




57,000 00 


Cash on hand, 




2,052 28 




$1,526,699 78 


$1,526,699 78 



Number of Depositors, ..... 

Rate of ordinary dividends for the last year, . 

Amount of ordinary dividends for the last year, 

Average annual rate of dividends, 

Last dividend of reserved profits, in 1863, . 

Extra dividends are made once in 

Largest amount invested in the stock of any one bank, 

Average annualexpenses, about .... 



5,515 
4i per cent. 

$64,642 63 

6 t 8 q 5 q- per cent. ' 

$73,403 10 

Five years. 

$30,000 00 

3,200 00 



1866.] 



PUBLIC DOCUMENT— No. 8. 



27 



INSTITUTION FOR SAYINGS IN ROXBURY AND ITS VICINITY— 

ROXBURY. 

[October 6.] 

Almost D. Hodges, President. Treasurer, William Whiting. 



Deposits, ....... 


$796,991 71 




Profits, .... 






93,198 99 




Public Funds, . 








$285,262 15 


Bank Stock, 








180,366 97 


Loans on Public Funds, . 








54,000 00 


on Bank Stock, 








8,990 00 


on Real Estate, 








166,798 18 


on Personal Security, 








68,700 00 , 


to Counties, Cities and Towns, 




110,000 00 - 


Cash on hand, 




16,073 40 








$890,190 70 


$890,190 70 



Number of Depositors, 

Rate of ordinary dividends for the last year, . 

Amount of ordinary dividends for the last year, . 

Average annual rate of dividends, 

Dividend of reserved profits, in October, 1865, about 

Extra dividends are made once in . 

Largest amount invested in the stock of any one bank, 

Average annual expenses, . v . . . 



3,347 
4 per cent. 

$28,060 51 
7f per cent. 

$77,000 00 
Five years. 
$40,000 00 
2,900 00 



ESSEX SAVINGS BANK— LAWRENCE. 

[October 30.] 

George D. Cabot, President. Treasurer, Nathaniel White. 



Deposits, . 


• • • 


$516,288 65 




Profits, .... 


• • • 


51,022 03 




Interest, .... 


• • • 


26,613 19 




Public Funds, . 


• • • 




$278,000 00 


Bank Stock, 


• • • 




146,550 00 


Loans on Bank Stock, 


• • ■ 


• 


2,525 00 


on Real Estate, 


• ♦ • 




59,590 00 


on Personal Security, 


• • • 




28,600 00 


to Counties, Cities and Towns, 




50,000 00 


Expense Account, 


• • • 




3,147 38 


Cash on hand, . 


• • • 




25,511 49 




$593,923 87 


$593,923 87 



Number of Depositors, .... 

Rate of ordinary dividends for the last year, . 

Amount of ordinary dividends for the last year, . 

Average annual rate of dividends, 

Last dividend of reserved profits, in October, 1862, 

Extra dividends are made once in . 

Largest amount invested in the stock of any one bank, 

Annual expenses, about 



2,849 
4 per cent. 

$18,175 87 
6A- per cent. 

$33,830 13 
Five years. 
$19,500 00 
2,200 00 



28 



BANK COMMISSIONERS' REPORT. 



[Jan. 



ATTLEBOROUGH SAVINGS BANK— ATTLEBOROUGH. 

[October 13.] 

Ezekiel Bates, President. Treasurer, H. M. Daggett. 



Deposits, . 

Profits, 

Public Funds, 

Bank Stock, 

Real Estate, 

Loans on Personal Security, 

to Town of Attleborough, 
Expense Account, 
Cash on hand, . 



$18,144 45 
541 47 



$18,685 92 



$6,800 00 
1,791 00 

2,600 00 

5,600 00 

2 00 

1,892 92 



$18,685 92 



Number of Depositors, 

Rate of ordinary dividends for the last year, . 
Amount of ordinary dividends for the last year, 
No dividend of reserved profits has been made. 
Largest amount invested in the stock of any one bank, 
Average annual expenses, about .... 



90 
. 6 per cent. 

$802 43 

1,791 00 
25 00 



LYNN INSTITUTION FOR SAVINGS— LYNN. 

[October 17.] 

Joseph N. Saunderson, President. Treasurer, Amos Rhodes. 



Deposes, 

Profits, 

Public Funds, . 
Bank Stock, . 
Real Estate, . 






$396,257 69 
24,436 31 


$81,000 00 
46,500 00 


Loans on Public Funds, 
on Bank Stock, 








4,100 00 
5,150 00 


on Real Estate, 

on Personal Security, 

to Cities and Towns, 








137,168 00 

17,850 00 

111,200 00 


Cash on hand, . 








17,726 00 








$420,694 00 


$420,694 00 



Number of Depositors, 

Rate of ordinary dividends for the last year, . 

Amount of ordinary dividends for the last year, . 

Average annual rate of dividends, 

Last dividend of reserved profits, in October, 1864, 

Extra dividends are made once in 

Largest amount invested in the stock of any one bank, 

Average annual expenses, about .... 



Not stated. 

5 per cent. 

$18,278 31 

6 per cent. 

$11,827 79 
Five years. 
$10,000 00 
1,000 00 



1866.] 



PUBLIC DOCUMENT— No. 8. 



29 



INSTITUTION FOR SAYINGS IN THE TOWN OF NEWTON- 
NEWTON. 

[October 24.] 

George Hyde, President. Treasurer, Edward J. Collins. 



Deposits, .... 


• • • 


$54,040 71 




Profits, .... 


• • • 


3,657 00 




Public Funds, . 


• • • 




• $7,500 00 


Bank Stock, 


• • • 




4,805 00 


Real Estate, 


• • • 




— — 


Loans on Real Estate, 


• • • 




34,732 55 


on Personal Security, 


• • • 




2,500 00 


to Counties, Cities and Towns, 




3,125 00 


Expense Account, 


• • • 




• 1,797 48 


Cash on hand, . 


• • • 




3,237 68 




$57,697 71 


$57,697 71 



Number of Depositors, ...... 

Rate of ordinary dividends for the last year, . 

Amount of ordinary dividends for the last year, . 

Average annual rate of dividends, 

Last dividend of reserved profits, in January, 1864, 

Extra dividends are made once in 

Largest amount invested in the stock of any one bank, 

Average annual expenses, 



437 
5 per cent. 

$2,133 02 
5 per cent. 

$205 41 
Five years. 

$2,000 00 
100 00 



EAST CAMBRIDGE FIVE CENTS SAVINGS BANK— CAMBRIDGE. 

[October 25.] 
George Stevens, President. Treasurer, John Savage, Jr. 



Deposits, . 

Profits, 

Public Funds, 

Bank Stock, 

Real Estate, 

Loans on Real Estate, 

on Personal Security, 
Expense Account, 
Cash on hand, . 



$196,393 40 
7,435 99 



$203,829 39 



$61,930 50 
33,618 47 

102,925 00 

1,306 76 
4,048 66 



$203,829 39 



Number of Depositors, about . . 

Rate of ordinary dividends for the last year, . 

Amount of ordinary dividends for the last year, . 

Average annual rate of dividends, 

Last dividend of reserved profits, in October, 1863, 

Extra dividends are made once in 

Largest amount invested in the stock of any one bank, 

Average annual expenses, 



1,900 
4 per cent. 

$6,526 24 

6} per cent. , 

$5,923 00 

Three years. 

$4,610 00 

450 00 



30 



BANK COMMISSIONERS' REPORT. 



[Jan. 



MALDEN SAVINGS BANK— MALDEN. 

[October 25.] 

Henry Barrett, President Treasurer, Charles Merrill. 



Deposits, . 

Public Funds, . 

Bank Stock, 

Ileal Estate, 

Loans on Real Estate, 

on Personal Security, 

to Towns, 
Expense Account, 
Cash on hand, . 



$41,108 73 



$41,108 73 



$11,500 00 
1,105 00 

17,640 00 

8,500 00 

100 00 

2,263 73 



$41,108 73 



Number of Depositors, 

Rate of ordinary dividends for the last year, . 
Amount of ordinary dividends for the last year, 
Average annual rate of dividends, a little over 
First dividend of reserved profits, in June, 1865, 
Extra dividends are made once in 
Largest amount invested in the stock of any one bank, 
Average annual expenses, ..... 



303 
54 per cent. 

$1,778 80 
5 per cent. 

$1,030 00 
Five years. 

$1,105 00 
200 00 



NORTH EASTON SAYINGS BANK— EASTON. 

[November 3.] 

A. A. Gilmore, President Treasurer, Pardon A. Gifford. 







$16,363 89 
120 00 




Deposits, .... 
Interest, ..... 








Public Funds, .... 

Bank Stock, . 

Real Estate, .... 








$11,800 00 
4,100 00 


Loans on Real Estate, 








— — 


on Personal Security, 
Profit and Loss, 








278 78 


Expense Account, 

Cash on hand, .... 








23 71 
281 40 








$16,483 89 


$16,483 89 



Number of Depositors, 

Rate of ordinary dividends for the last year, . 

Amount of ordinary dividends- for the last year, . 

Average annual rate of dividends.* 

Extra dividends are to be made once in 

Largest amount invested in the stock of any one bank, . 

Average annual expenses, about 



123 

. 5A per cent. 

$486 26 

. Five years. 

$2,600 00 
125 00 



* New institution — organized August 15, 1864. 



1866.] 



PUBLIC DOCUMENT— No. 8. 



31 



DEDHAM INSTITUTION FOR SAVINGS— DEDH AM. 

[November 10.] 

Ebenezer Burgess, President. Treasurer, Calvin Guild. 



Deposits, 


$592,304 33 




Profits, 






64,184 81 




Public Funds, .... 








$83,775 00 


Bank Stock, .... 








32,452 00 


Loans on Public Funds, 








3,900 00 


on Bank Stock, 








2,150 00 


on Real Estate, 








423,695 29 


on Personal Security, 








40,873 11 


to Counties and Towns, 








38,000 00 


to Banks, on interest, 








26,100 05 


Suspense Account, . 








440 19 


Cash on hand, 




5,102 50 


•• 


• 




$656,489 14 


$656,489 14 



Number of Depositors, . . . . 

Rate of ordinary dividends for the last year, . 

Amount of ordinary dividends for the last year, 

Average annual rate of dividends, 

Last dividend of reserved profits, in May, 1861, 

Extra dividends are made once in . 

Largest amount invested in the stock of any one bank, 

Average annual expenses, ..... 



2,808 
4 per cent. 

$22,755 52 
Not stated. 

$9,842 59 
Five years. 
$12,987 50 
1,800 00 



EAST BOSTON SAVINGS BANK— BOSTON. 

[November 11.] 

Ebenezer Atkins, President. Treasurer, Albert Bowker. 



Deposits, .... 




$226,750 92 




Profits, .... 






14,273 71 




Public Funds, . . 








$87,000 00 


Bank Stock, 








50,047 70 


Loans on Bank Stock, 








6,300 00 


on Real Estate, 








75,508 75 


on Personal Security, 








3,090 00 


to Towns, 








9,000 00 


to Banks, on interest, 








9,341 46 


Expense Account, 








301 00 


Cash on hand, . 








435 72 








$241,024 63 


$241,024 63 



Number of Depositors, . . . 

Rate of ordinary dividends for the last year, . 

Amount of ordinary dividends for the last year, 

Average annual rate of dividends, 

Last dividend of reserved profits, in July, 1864, 

Extra dividends are made once in 

Largest amount invested in the stock of any one bank, 

Average annual expenses, ..... 



3,014 

5 per cent. 

$10,957 4G 

6 per cent. 

$5,008 96 
Five years. 
$10,000 00 
1,100 00 



32 



BANK COMMISSIONERS' REPORT. 



[Jan. 



WALTHAM SAYINGS BANK— WALTHAM. 

[November 15.] 

Horatio Moore, President. Treasurer, J. S. Williams. 



* 






Deposits, ....... 


$196,365 25 




Profit and Loss, 








489 99 




Interest, .... 








8,057 30 




Public Funds, . 










$10,000 00 


Bank Stock, 










16,992 00 


Real Estate, 










— — 


Loans on Real Estate, 










132,462 80 


on Personal Securit 1 


fn 








19,906 00 


to Towns, 










16,950 00 


Expense Account, 










1,058 45 


Cash on hand, . 










7,543 29 










$204,912 54 


$204,912 54 



Number of Depositors, 

Rate of ordinary dividends for the last year, . 

Amount of ordinary dividends for the last year, 

Average annual rate of dividends, 

Last dividend of reserved profits, in April, 1863, 

Extra dividends are made once in 

Largest amount invested in the stock of any one bank, 

Average annual expenses, ..... 



1,450 
4 per cent. 

$7,970 00 
6^ per cent. 

$2,200 00 
Five years. 

$5,000 00 
750 00 



WEST CAMBRIDGE FIVE CENTS SAVINGS BANK— WEST 

CAMBRIDGE. 

[November 21.] 

Samuel Butterfield, President. Treasurer, William Proctor. 



Deposits, ....... 


$111,332 03 




Profits, ..... 




938 87 




Extra Dividend, 






4,778 61 




Public Funds, . 








$56,500 00 


Loans on Real Estate, 








59,010 00 


to Towns, 








1,000 00 


to Banks, on interest, 








491 74 


Expense Account, 








1 56 


Cash on hand, . 








46 21 


• 


$117,049 51 


$117,049 51 


Number of Depositors, 


769 


Rate of ordinary dividends for the last year, . 


5 per cent. 


Amount of ordinarv dividends for the last year, . 


$5,144 24 


Average annual rate of dividends, . 


74 per cent. 


First dividend of reserved profits, in October, 1865, 


$4,778 61 


Extra dividends are made once in 


Five years. 


Average annual expenses, about ...... 


$320 00 



1866.] 



PUBLIC DOCUMENT— No. 8. 



33 



MIDDLESEX INSTITUTION FOR SAVINGS— CONCORD. 

[December 12.] 

Geoege M. Brooks, President. Treasurer, J. M. Cheney. 



Deposits, . 


$599,222 49 




Interest, 


738 54 




Suspense Account, . 


16,576 25 




Public Funds, ....... 




$40,000 00 


Bank Stock, 




222,500 00 


Loans on Real Estate, . . . 




285,771 30 


on Personal Security, 




11,775 03 


to Counties, Cities and Towns, 




36,703 00 


Interest paid, ...... 


. 


130 43 


Profit and Loss, 




6,833 51 


Cash on hand, 




12,824 01 




$616,537 28 


$616,537 28 



Number of Depositors, 

Rate of ordinary dividends for the last year, . 

Amount of ordinary dividends for the last year, 

Average annual rate of dividends, about, 

Last dividend of reserved profits, in June, 1865, 

Extra dividends are made once in . 

Largest amount invested in the stock of any one bank, 

Average annual expenses, . . . . . 



2,721 
4 per cent. 

$26,213 61 
7f per cent. 

$95,667 21 
Five years. 

$16,700 



2,150 



00 
00 



PROVIDENT INST'N FOR SAV'GS IN THE TOWN OF BOSTON. 

[December 21.] 

John A. Lowell, President. Treasurer, Peter Wainwright. 



Deposits, 


$7,832,853 62 




Profits, 


i • • • 


819,696 82 




Interest, 


i • • • 


3,956 40 




Public Funds, . 


i • • • 




$2,082,625 09 


Bank Stock, 


• • • 




1,093,200 00 


Real Estate, 


i ;• • • 




52,467 04 


Loans on Public Funds, 


» • • • 




173,000 00 


on Bank Stock, 


• 
i • ■ • 




38,500 00 


on Real Estate, 


i • * • 




1,887,566 66 


on Personal Security, 




2,370,500 00 


to Counties, Cities and Towns, 




840,800 00 


Railroad Stock, 




1,276 00 


Expense Account, ..... 




13,748 27 


In Webster Bank, 




98,989 56 


Cash on hand, . . . ... 




3,834 22 






$8,656,506 84 


$8,656,506 84 



Number of Depositors, . ... 

Rate of ordinary dividends for the last year, . 

Amount of ordinary dividends for the last year, 

Average annual rate of dividends, about 

Last dividend of reserved profits, in July, 1862, 

Extra dividends are made once in . 

Largest amount invested in the stock of any one bank, 

Average annual expenses, 



31,343 
4 per cent. 

$294,925 25 
7 per cent. 

$668,938 78 
Five years. 
$188,100 00 
26,394 69 



34 



BANK COMMISSIONERS' REPORT. 



[Jan. 



THE PAWNERS' BANK. 



The following statement has been received by the Commis- 
sioners, in accordance with the Act establishing the Pawners' 
Bank, in Boston. 

STATE OF THE BANK, 

On the fourth Saturday of October, 1865, at 7 o'clock, P. M. 



DUE FROM THE BANK. 

Capital stock called in, . 

Unclaimed dividends, .... 

Reserve account, ..... 

Net profits (estimated,) 

Proceeds of auction sale, not yet adjusted, 

Estimated expenses due, but not paid, . 

Total amount due from the bank, . 



$100,700 00 

926 50 

308 73 

2,427 20 

8,222 00 

818 17 

$113,402 60 



RESOURCES OF THE BANK. 

Amount of outstanding loans on pledge of goods and 
chattels, ........ 

Interest accrued on loans and not paid in, (estimated,) 

Amount of deposits bearing interest, 

Amount of money on hand, in the bank, 

U. S. Treasury notes, (cost,) .... 

Vault, safes, furniture, fixtures, &c, 

Total amount of the resources of the bank, 



$89,199 34 
5,535 62 
7,880 00 
760 94 
6,026 70 
4,000 00 

$113,402 60 



E. B. Foster, Cashier. 



The foregoing statement was verified by the oath of the 
cashier, and by the certificate, also under oath, of Joseph S. 
Ropes, John Bigelow, N. C. Poor, Daniel J. Coburn, and 
Samuel Johnson, Jr., a majority of the directors of the bank. 



1866.] 



PUBLIC DOCUMENT— No. 8. 



35 



The statement was accompanied by the following additional 
statistics concerning the bank : — 



40,601 

5,228 

7,593 

6,563 

6,224 

6,813 

9,795 

$1,007,839 95 

918,640 61 

12,720 19 

10,835 13 

5,535 62 

8 per cent. 

543,156 



Whole number of loans, 
Number of loans in 1860, . 

in 1861, . 
in 1862, . 
in 1863, . 
in 1864, . 

from Oct., 1864, to Oct., 1865, 
Total amount of loans to date, 
Total amount paid in on loans for the same time, 
Amount of interest earned on loans, since last report, 
Amount of interest on loans paid since last report, 
Interest earned on loans but not paid in, 
Dividends declared for 1865, 
Estimated number of articles loaned on, 

74 out of every 100 of the loans made are $10 and under. 
49 out of every 100 of the loans the interest is less than 21 cents. 
35 out of every 100 of the loans the interest is less than 11 cents. 
23 out of every 100 of the loans the interest is less than 6 cents. 

8 out of every 100 of the loans the interest is only 1 cent. 
Average length of credit actually taken by the pledgers is three 
months and two days. 

Six months' credit is usually given, and loans can be renewed on 
payment of the interest due. 

Goods outside of the vault and safes are insured. 
Average amount of interest received on each loan is one dollar two 
cents six mills. 

Average amount loaned to each person, $21.34. 
Loans made on pledge of goods and chattels only. 



36 



BANK COMMISSIONERS' REPORT. 



[Jan. 



PUBLIC STOCKS 

Deposited with the Auditor of the Commonwealth by " banks organized 
under general laws" as security for their circulating notes. 

The securities held by the auditor on account of banks 
organized under general laws, were examined by the Com- 
missioners on the 30th day of December, 1865, together with 
the amount of circulating notes issued to each of said banks ; 
and the several accounts were found to be as stated below : — 



(Now National.) 



Bank of the Metropolis. 

United States Five-Twenties, 
Outstanding circulation, 

Safety Fund Bank, 

City of Chelsea Bonds, ..... 

Town of Natick Bonds, ..... 

Outstanding circulation, ..... 

Balance, ....... 

Revere Bank. (Now National.) 

State of Rhode Island Bonds, .... 
United States Certificates of Indebtedness, 

Outstanding circulation, ..... 



(Charter surrendered.) 

$36,000 00 
36,000 00 



$25,000 00 
15,000 00 

$40,000 00 
22,214 00 

$17,786 00 



$20,000 00 
19,000 00 

$39,000 00 
39,000 00 



Bank of the Republic. (Now National.) 
State of Maine Bonds, $10,500 00 



Town of North Chelsea, Note, 
" Marlborough, Notes, 



Outstanding circulation, 
Balance, 



8,000 00 
3,000 00 

$21,500 00 
12,000 00 

$9,500 00 



1866.] PUBLIC DOCUMENT— No. 8. 87 

Continental Bank. (Now National.) 

United States Five-Twenties, $10,000 00 

Outstanding circulation, ...... 9,236 00 



Balance, '. . $764 00 

Mount Vernon Bank. (Now National.) 

Town of Melrose Bonds, $15,000 00 

Outstanding circulation, ...... 13,000 00 



Balance, $2,000 00 

t 

Harvard Bank. (Now National.) 

Massachusetts Bonds, . $10,000 00 

Town of Marlborough, Note, 3,000 00 



$13,000 00 
Outstanding circulation, 11,500 00 



Balance, $1,500 00 



38 BANK COMMISSIONERS' REPORT. [Jan. 



GENERAL REMARKS. 

The year 1865 is to be distinguished in the history of our 
State as that in which our system of banking under State 
charters was abandoned for the trial of a new one under 
National laws. The change has not been made without reluc- 
tance in many cases, but in all, we believe, a sincere desire, is 
entertained that the new experiment may be crowned with 
success. 

In each case of conversion the provisions of the Acts of 1863 
and 1864, passed to facilitate this process, have been fully com- 
plied with, and the converted bank has, we believe, become a 
legal association under the laws of the United States. A full 
list is given in the Appendix of this Report, with the date of 
the conversion of each bank. 

The rules which regulate every safe system of banking 
which includes the issue of paper money, are nearly the 
same under whatever legal authority it is carried on ; and the 
National system is so similar to that of the State in its essential 
features, that the change which has taken place may be 
regarded as one merely of accountability. It is the power to 
issue paper money which alone makes banks the objects of 
public interest and concern ; and the occurrence of so remark- 
able an event as that which has led our banks to seek this 
power at another source, and to sever their connection with the 
State from which they have so long derived it, seems to afford 
a fitting occasion for a brief review of the currency and 
banking system of the Commonwealth. 

Our colony records furnish ample evidence of the scarcity of 
money in the early years of our history ; and it is worthy of 
remark that our ancestors, with all the knowledge and improve- 
ments that centuries of trade and commerce had accumulated 
in the land they left, did not disdain to adopt, and legalize to a 
limited extent, a circulating medium furnished by the savage 
aborigines, and to use wampum as money in small transactions 
for several years. Another evidence of the scarcity of coin 



1866.] PUBLIC DOCUMENT— No. 8. 39 

appears in an order of the General Court in 1635, " that mus- 
kett bulletts of a full boare shall passe currantly for a farthing 
a peece, provided that noe man be compelled to take above 12c?. 
att a tyme of them." In 1631, corn was made a legal tender 
at the rate it was usually sold for, except money or beaver 
was expressly named ; and this, as well as several other produc- 
tions of the industry of the people, passed freely in the pay- 
ment of taxes and of debts at stipulated or current rates for 
many years. In one case, as late as 1672, the minister of one 
of our towns received but an eighth part of his salary in 
money, while the balance was payable in Indian corn, pease, 
barley, fish, mackerel, beef or pork. Disputes of course often 
arose concerning the quality of the articles tendered for debts, 
and much inconvenience was experienced in the transportation 
of cattle and agricultural products to Boston in payment of 
the public taxes ; but the system was better than that under 
which the people groaned for a considerable part of the next 
century — an irredeemable paper currency. 

The royal government in England having been overthrown, 
our fathers assumed a prerogative of sovereignty and estab- 
lished a mint in Boston in 1652. It continued in operation 
about thirty years, but the coins were all stamped with the 
date of its creation. The highest of these was of the value of 
one shilling. The amount of coinage is not known ; but, 
though it might have been considerable, considering the cir- 
cumstances of the colony, much of it went abroad in the 
course of trade and a considerable portion found its way into 
the other colonies. It is quite certain that the amount of 
specie of all kinds in Massachusetts at this period did not 
supply the people with a sufficient circulating medium. 

Mr. Felt finds in the Massachusetts archives, at the time of 
the establishment of the mint, a hint about " raiseing a Bank," 
and a statement that about this period, for some years, " paper 
bills passed in payment of debts ; " also, that certain persons 
had liberty in 1686 " to commence the issuing of bills on real 
and personal estate, and imperishable merchandise ; " but we 
have no further information concerning these premonitory 
signs of a final resort to a paper currency. This occurred on 
the return of the disastrous expedition against Canada in 1690, 
when the clamor of the soldiers for their pay, and an 



40 BANK COMMISSIONERS' REPORT. [Jan. 

empty treasury compelled the General Court to make an issue 
of £7,000 in bills of credit; but a provision for further issue 
was soon made, limiting the total amount to £40,000. They 
were receivable in payment of taxes and for any stock in the 
treasury ; but they did not find favor with the people, and soon 
fell to thirty and forty per cent, discount, inflicting a heavy 
loss upon the poor soldiers, and giving the people their first 
experience of the evils of an irredeemable paper currency. 
In order to raise their credit, the General Court made them a 
legal tender, and ordered that a premium of five per cent, 
should be allowed on them when paid into the treasury. This 
law had a beneficial effect ; and as no further issue of con- 
siderable amount was made for nearly twenty years, they were 
kept during this time at or near a par with specie. 

But the era of^paper money had fully dawned ; and under one 
inducement or another, the scarcity of coin, the wants of trade, 
or the necessities created by war, our fathers, embarked upon 
this dangerous system. In T 1709, an issue of £30,000 was made, 
which was probably paid out of the treasury for the equipment 
of an expedition against Canada ; but another issue, in 1721, 
of £50,000, was put out in the form of a loan to the people on 
interest, secured by real estate, followed by another in 1716, of 
£100,000, placed in the hands of county trustees to be loaned 
in the same way, and by still another, of £50,000, in 1721, 
which was distributed among the towns to be loaned in like 
manner. The vote of one town, which we have before us, 
whose share was £600 10s., provides that the money shall be 
placed in the hands of trustees to be let out to dwellers in the 
town in sums not less than £10, at six per cent., on good and 
sufficient security ; and it was probably disposed of in the same 
manner in all of them. Emissions of this provincial money 
continued to be made for many years, swelling in amount as it 
depreciated in value, till it had reached, in 1749, the sum of two 
millions two hundred thousand pounds, and had sunk to about 
ten pounds in paper for one in specie. 

That litigation, loss and trouble, and deterioration of the 
morals of the people, followed the use of such a wretched 
currency, is well attested by the history of the times, and we 
may well believe that all friends of a sound system hailed 
with joy the action by which the coin received from the mother 



1866.] PUBLIC DOCUMENT— No. 8. 41 

country in reimbursement of the expenses incurred by the 
colony in the reduction of Louisburg, was applied to its 
redemption. This grand affair was happily accomplished in 
1751, and the people had relief from the incubus of this 
miserable substitute for money, till the Revolutionary War again 
made a resort to it necessary. 

Besides the financial troubles already mentioned, during the 
period just under consideration, the people suffered much from 
the circulation of the depreciated paper of the other New 
England colonies, much of which found its way into Massachu- 
setts ; and, as a consequence of the unhappy state of their money 
affairs, a warm controversy concerning the currency was carried 
on among the people, which Hutchinson says, " had a universal 
spread, and divided towns, parishes, and particular families. " 
There were three parties — one for hard money, led by Hutchin- 
son himself, whose name must be remembered with gratitude, 
for his efforts in behalf of a good currency ; one for a private 
bank issuing bills based on real estate security ; and one which 
favored the system of Province loans. The Bank party nursed 
their darling project for about twenty-five years, and finally 
succeeded in putting it into operation' in 1740. The governor 
and many of the leading men were strongly opposed to it, but 
the stockholders had secured a majority of the representatives, 
and boldly defied opposition. This famous company, formed 
on a plan never before or since attempted in the State, was to 
issue to the partners ,£150,000 in bills on mortgage of real 
estate or personal security, limiting the latter to £100 from 
any one person. On the sums so taken three per cent, interest 
was to be paid, and five per cent, of the principal, yearly, in the 
company's bills or in certain articles of merchandise at prices 
fixed by the directors. It was one of those nefarious cases of 
obtaining money through the wrongful issue of a paper cur- 
rency, with which the history of that currency is filled ; and, 
as in most instances of the kind, many innocent dupes were the 
sufferers. It is impossible to tell the exact proportions of 
fraud and delusion which entered into the concoction of this 
scheme, but without doubt there was much of both. 

The following appears in the plan of their association as the 
form of the bill to be issued, and it seems impossible that 

C 



42 BANK COMMISSIONERS' REPORT. [Jan. 

imposture or infatuation could go farther in this line than to 
attempt to foist such stuff upon the public as money : 

"Twenty Shillings. 

" We promise for ourselves and Partners to receive this 
Twenty Shilling Bill of Credit, as so much Lawful Money, in 
all Payments, Trade and business, and after ye expiration of 
twenty yeares to pay ye possessor ye value thereof in Manufac- 
tures of this Province. Boston, etc."* 

The managers of this Land Bank succeeded in pushing a 
large amount of these bills into circulation, but the governor 
took energetic measures to stop their proceedings, and soon 
effected a dissolution of the company, leaving such of the 
partners as had anything to pay with to respond from time to time 
to the calls upon them for assessments to redeem the bills. The 
winding up process was finished in about twenty years, but 
truthful history has preserved to our own times the memory of 
threatened riots, political animosities and personal distress, as 
the legacy left to us by the Land Bank, for our instruction and 



warning. 



Besides the currency already mentioned, historians record an 
emission of notes in 1733, by merchants of Boston, payable in 
silver at 19s. per oz. in ten years, and also another issue, in 1740, 
also by merchants of Boston, "on a silver bottom." These 
latter, we can well believe, had no general circulation. 

Having enjoyed a sound currency for a quarter of a cen- 
tury, necessity compelled our fathers to resort again to 
paper money to maintain their liberties and secure inde- 
pendence. The history of our State currency during the 
Revolutionary War, is closely interwoven with that of the con- 
tinental money, and admits of no condensation that would not 
be too lengthy for this sketch. The constantly downward 
course in the value of the continental currency, after the 
second year of the war, till it became worthless before the close, 
is indeed too well known for recital, as are also the trouble 
and distress which the depreciation brought, as in all similar 

* Felt's Historical Account of Massachusetts Currency, where and in Hutchinson's 
History of Massachusetts, see much more of this notable Land Bank. 



1866.] PUBLIC DOCUMENT— No. 8. 43 

cases, upon the poorest class of the people. The Massachusetts 
authorities commenced the issue of notes in May, 1775, and 
from this time to October, 1777, they had borrowed, according 
to Mr. Felt, (Hist. Acct. Mass. Currency,) £956,400 on 
treasury securities, and issued £500,042 in bills of credit. 
They then wisely resolved to increase their taxes rather than 
their bills, and apparently kept their resolution ; for the debt 
of the State in 1785, is stated to have been less than £1,500,000. 

On the return of peace and the consequent resumption of 
trade and industry, the State system of banking, of which the 
extinction is related in this Report, was commenced. The 
oldest banks of Europe had never circulated their own notes 
as money, and had therefore escaped all the perils of that 
business ; but the Bank of England had been a bank of issue 
from the date of its creation (1694) and had been eminently 
successful. In our own country, too, the Bank of North 
America, at Philadelphia, though of recent origin, had existed 
since 1781, with a branch in Boston, authorized by the legisla- 
ture in 1782, and its course had been such that it stood high 
in the confidence of the people. These facts seemed to indicate 
that only honesty and prudence were necessary in the manage- 
ment to enable the State to furnish a safe paper currency 
through the medium of an incorporated bank. Happily these 
qualities were secured in the organization of the Massachu- 
setts Bank, the first institution of its kind in the State, 
incorporated in 1784. 

Its chartered privileges were similar to those of the Bank of 
England, though more restricted ; limiting the amount it could 
hold in lands, rents and tenements at fifty thousand pounds, 
and the whole amount of property it could hold at five hundred 
and fifty thousand pounds, none of which could be employed 
in trade or commerce. No further restriction was placed upon 
its powers, except that it was to make no laws repugnant to the 
laws of the Commonwealth, and no safeguard is provided, 
except that which secures to the State the right to examine 
into its affairs. There is no provision for capital to be actually 
paid in, no limitation of its liabilities, and no restriction with 
regard to the issue of its own notes. The legislature there- 
fore must have had great confidence in the character of the 
gentlemen who were intrusted with such a charter, and found 



44 BANK COMMISSIONERS' REPORT. [Jan. 

in that a guarantee of its success and usefulness. Perhaps the 
general court was awakened to a sense of the dangerous 
power possessed by the corporation, and were thereby induced 
to pass the Act of March 9, 1792, " to provide for the more 
secure administration of the affairs of the bank," which pro- 
vided that the " promissory notes and money loaned by it 
should not exceed twice the amount of the capital stock," and 
that a statement of its condition should be made to the 
governor and council once in six months. 

The next bank chartered by the State was the Union, in 
Boston, with a capital of not less than $400,000 nor more than 
$800,000, with the privilege of holding lands and tenements to 
the amount of $200,000, and moneys, goods, chattels and effects 
to the amount of $2,000,000, including original stock. This 
bank was to appropriate one-sixth part of all its funds to loans 
on mortgage of real estate, to be made to citizens of Massachu- 
setts, not resident in Boston, in sums not less than $100 nor 
more than $1,000. It was not to ewe at any one time more 
than twice the amount of its capital stock " in addition to the 
simple amount of all moneys actually deposited in said bank for 
safe keeping." It could establish a branch in any town in the 
State. It could not issue bills less than five dollars, (nor could 
the Massachusetts Bank at this period,) and not more than 
three-fourths of its directors, excepting the one who should be 
President, were to be eligible for re-election. 

We have given the principal provisions of these two charters 
to show how little regulation by law was deemed necessary in 
entering upon the important business of furnishing a new 
paper currency in this Commonwealth, and the insignificant 
origin of the excellent system of banking embodied in the fifty- 
seventh chapter of our General Statutes. 

During the ten years immediately following the charter of 
the Union Bank, five others were incorporated in the chief 
commercial towns of the Commonwealth. Two of these, the 
Essex, in Salem, and the Gloucester, in Gloucester, had pre- 
viously existed for a few years as private associations under a 
" covenant," and it was, without doubt, because these companies 
had so organized, that the legislature passed a law, June 22, 
1799, prohibiting unincorporated banking associations, under 
severe penalties, and providing that all such companies then 



1866.] 



PUBLIC DOCUMENT— No. 8. 



45 



existing should cease to issue notes and to loan money after 
the first of March following. Of these five banks, two only, the 
Gloucester and the Beverly, have survived to go over to the 
National system. 

To show what early banking in our State was, we subjoin a 
statement of the condition of the seven banks, in regard to the 
items of chief importance, in 1803 : 



BASK. 


Capital. 


Deposits. 


Circulation. 


Specie. 


Massachusetts, 


$100,000 00 


$163,300 00 


$240,000 00 


$253,400 00 


Union, . 


1,200,000 00 


715,816 85 


474,840 00 


308,269 32 


Essex, . 


200,000 00 


180,237 49 


301,336 00 


212,706 62 


Nantucket, 


20,262 00 


53,717 84 


92,240 00 


90,578 93 


Gloucester, 


80,000 00 


27,675 00 


125,293 00 


60,618 41 


Beverly, . 


100,000 00 


26,559 61 


145,670 00 


76,651 02 


Merrimack, . 


225,000 00 


54,967 47 


185,810 00 


■ 77,706 45 


Total, . 


$2,225,262 00 


$1,522,274, 26 


$1,565,109 00 


$1,079,930 75 



The condition, in 1808, of sixteen banks, the whole number 
then existing, was an improvement upon this, for then the 
reserve of specie was equal to nearly thirty per cent, of the 
total liabilities for circulation and deposits. 

A mania for establishing banks raged in England at this 
period, and produced the usual disastrous results ; but, whether 
it was their contemporary knowledge of the evils of the system, 
or the prejudice against paper money engendered by the expe- 
rience of their fathers, that made them wise, the legislators 
of the State proceeded with considerable caution on this danger- 
ous ground during the first thirty years after the adoption of 
the. constitution. Their prudence, however, at length forsook 
them, and banks began to multiply to such an extent that 
fifteen were incorporated in the single year of 1825, and six in 
the following year. 

The dreadful revulsion that shook the whole commercial 
world at that time, itself partly a consequence of an excessive 
issue of paper money in England, caused a pause in 1827, but 



46 BANK COMMISSIONERS' REPORT. [Jan. 

in the next year bank charters were again in demand, and 
fourteen new ones were obtained from the State. All this was 
not observed without apprehension and regret. Governor 
Lincoln, in his message, January, 1831, says, " Banks have 
been multiplied, here and elsewhere, greatly beyond the 
occasions of the country." And after enumerating the inju- 
rious effects that followed, he went on to recommend " that in 
no instance should a charter be granted or extended; except 
when it is satisfactorily shown that there is both capital for 
investment and business to require the use of it." This good 
counsel was not heeded ; forty-four banks were chartered in this 
and the two following years, and probably nothing but the 
unsettled condition of the monetary affairs of the country, grow- 
ing out of the question of re-chartering the United States 
Bank, brought about a suspension of this injudicious liberality. 

The rage for extravagant speculation and reckless over- 
trading that prevailed all over the country in 1835 and 1836, 
seized of course upon bank charters as the sure road to wealth, 
and it is not surprising that the latter year stands out as the 
most remarkable in our annals for the number of Acts to incor- 
porate banking institutions — no less than thirty having then 
been granted. As might have been expected, several bad 
practices were allowed at this time to become common in our 
banking system ; particularly the issuing of post notes, the 
indirect exaction of usurious interest, and the employment of 
agents for the circulation of bills. Since that date, commenda- 
ble care has been generally exercised in granting bank charters, 
though it is doubtless true that many of the banks since estab- 
lished, in places already supplied with one or more of these 
institutions, were not required for the public benefit. 

The whole number of banks of circulation that have been 
chartered in Massachusetts is two hundred and forty-six ; two 
have become Massachusetts banks by an alteration of the State 
line, and seven have been organized under the general banking 
law — making two hundred and fifty-five in all. If the result 
of our investigations is correct, twenty-four of these were 
never organized, so that the number of banks that have existed 
in the Commonwealth is two hundred and thirty ; fifty of 
which, including eighteen whose charters were repealed and 
eleven closed by injunction by bank commissioners, have 



1866.] PUBLIC DOCUMENT— No. 8. 47 

become extinct ; one joined another bank ; one hundred and 
seventy-eight have become associations under the national 
law ; and one still continues business under its State charter. 
No list of these banks has to, our knowledge, been given in any 
official document, and we therefore place one in the Appendix 
to this Report. 

The number of banks now existing in the Commonwealth is 
two hundred and nine, thirty of which are new national associa- 
tions ; of these, five have been organized since our last report, 
namely : — one in Boston, one in Gardner, one in Hyannis, one 
in South Weymouth, and one in Whitinsville. 

It is important to notice that the circulation of the Massachu- 
setts banks had, on the first of October last, attained an amount 
largely in excess of any ever before reached in this State. 
According to the Eeport of the Comptroller of the Currency, the 
circulation of the two hundred and seven national banks in 
Massachusetts therein given, was as as follows : — 

TOTAL OUTSTANDING STATE CIRCULATION. 

Country banks, . . . $8,624,169 00 

Boston banks, . , 2,173,686 00 

$10,797,855 00 

NATIONAL CIRCULATION. 

Country banks', . . . $21,413,167 00 

Boston banks, . . . 19,702,735 00 

41,115,902 00 

To which add the circulation of the Attle- 

borough banks, not then converted, . . 95,809 00 

And that of the North Bridgewater Bank, . 90,848 00 



Total circulation of the 209 banks, . . $52,100,414 00 
Which is a greater circulation, by about twenty millions, than 
was ever reached by our State banks. 

We do not find that any general suspension of specie payments 
by the banks of this State took place before May, 1837. During 
the war with England, in 1814, the banks of the South and 
West stopped payment, and many supposed that those of 
Massachusetts, though they might hold out for a time, would 
eventually be obliged to do the same ; but the prudent 



48 BANK COMMISSIONERS' REPORT. [Jan. 

management of the directors with regard to loans, and the 
accumulation of specie to the amount of fifty-five per cent, of 
all their liabilities, saved them from the painful necessity of 
refusing to meet their obligations in legal money. 

The suspension of 1837 was a dire compulsion, occasioned 
by an extraordinary demand for specie for exportation, which 
came upon a people who had been two years engaged in the 
wildest schemes of speculation, and had come to regard, in 
practice, if not in fact, the holding of specie in a bank vault of 
no more importance as a basis for safe banking than an equal 
weight of sand or stone. We may at least infer that such a 
delusion prevailed, when we see in official returns that the 
tremendous revulsion of 1837 found the banks of our State 
able to pay only about a twelfth part of their debts in that 
money. Fortunately our banks, with the exception of ten or 
a dozen that through mismanagement or misfortune were swept 
away by the storm, had been well managed in other respects, 
and, through the prudent course of "the directors during the 
crisis, came out of the trial in a solvent condition ; the banks in 
Boston commencing the payment of their bills of five dollars and 
under in specie, and the country banks those und&r five dollars, 
in April, 1838, and all finding themselves able to return to a 
full resumption in August following. 

During the suspension of specie payments, the bills of good 
banks fell to about ten per cent, discount ; biit, owing to the 
excellent arrangement known as the Suffolk Bank System, by 
which the bills of all New England banks were discredited as 
soon as they were refused at that bank, no general derangement 
of the paper .currency of the State occurred. 

The system above referred to is not a product of legislation, 
nor is it recognized in the banking laws of the Commonwealth. 
On this account^herefore, as well as for its beneficial influence 
in securing the people, for a period of forty years, against the 
worst evils of a currency consisting of the bills of a great num- 
ber of widely scattered banks, it seems proper that the last 
Report which this Board will make should contain something 
more than a passing notice of it. 

In the colonial period of our history, complaints were made 
that Massachusetts was .flooded with the bills of credit issued by 
the other New England colonies ; a result of the tendency of 



1866.] PUBLIC DOCUMENT— No. 8. 49 

the money of these colonies to Boston, the centre of trade. 
Just so, on the establishment of banks, the bills of country 
banks, as those out of Boston were called, would be drawn to 
that place ; but the Boston banks would not receive them at 
par, on deposit, or in exchange for their own bills, because they 
must meet their own liabilities in specie ; and to convert these 
country bank bills into specie, they must be at the expense of 
sending them home to the banks which issued them ; nor would 
they pay them out at their own counters, for by so doing they 
would lose the profit to be derived from circulating their own 
bills. Under these circumstances it is manifest that the only 
• way in which these country bank bills could be kept at par in 
Boston, was by providing for their redemption in that place, — 
a necessity which the country banks resisted for twenty years, 
but to which they were at last forced to yield, as we shall 
presently relate. 

In 1803 the capital of the two Boston banks was $1,600,000, 
and their circulation $714,840. The five country banks had an 
aggregate capital of $625,262, with a circulation of $850,349. 
In that and the following year, one new bank in Boston and 
eight in the country were incorporated, an increase of country 
banks which could hardly fail to aggravate the antagonism 
already existing between the bills of the two classes of banks. 
To remedy this growing evil, legislative aid seems at this time to 
have been granted ; for we find that, by an Act passed June 23, 
1804, incorporating a company called the Boston Exchange 
Office, with a capital of $150,000 in current bank bills of this 
Commonwealth, and $50,000 in specie, it was provided " that 
the said Corporation shall neither directly nor indirectly run 
upon or make a demand for specie on any of the incorporated 
banks of this Commonwealth, or which may hereafter be incor- 
porated, whereby to cause distress, nor knowingly furnish any 
person or persons with bills for that purpose ; and in order that 
an impartial currency may be given to the bills of this Com- 
monwealth, said bills shall at all times be paid out promis- 
cuously as they are received ; and the said corporation are 
hereby restricted from asking or receiving a premium for 
exchanging the bills of any one bank aforesaid, for those of any 
other of this Commonwealth, or for specie, or to purchase the 
bills of any bank of this Commonwealth at a discount during its 

7 



50 BANK COMMISSIONERS' REPORT. [Jan. 

continuance." But this scheme di§L not succeed. Boston was 
constantly receiving more bills than it paid out, and the accumu- 
lation of country bank bills there, growing out of the inevitable 
course of business, could only be prevented by a return of them 
to the banks which issued them. As these banks increased, 
the accumulation of bills increased. The Boston banks and 
brokers would buy them up at a discount, in some cases as 
high as five per cent., and send them home for redemption ; but 
this act was very unpopular, and, unless pursued with energy 
and system, could not force the country banks into any plan for 
general and permanent reform. 

The Boston Exchange Office expired, by limitation of its 
charter, in 1812. We know but little of its operations, but, 
from a return to the Commonwealth, June 2, 1806, we learn 
that its condition was then as follows : — 

Capital, $200,000 00 

Deposits, 322,964 81 

Specie, 3,833 15 

Bills of Massachusetts banks, .... 160,145 00 
Bills of banks of other States, .... 62,065 00 

It is said that it fell into the hands of a lawyer of Boston, 
named Andrew Dexter, who, obtaining control of several coun- 
try banks of this State, and of the Farmer's Exchange Bank, in 
Rhode Island, entered upon a course of speculation and fraud, 
which occasioned the ruin of some of the banks, and a consider- 
able loss to the people, among whom these worthless bills were 
scattered, and proving, by stronger evidence than had previously 
existed, the necessity of devising some check upon the over-issue 
of the country bank circulation. The ruin of Dexter's banks 
was the result of a combination formed in Boston to put an end 
to the evasion and delay which some of the country banks had 
begun to practise whenever their bills were sent home for 
redemption, and which the Northampton Bank carried so far as 
to attempt to pay off with four-pen ce-ha*lf-pennies a demand for a 
sum of specie which the agent of the combination made upon 
that bank. The object of this combination was a temporary one ; 
but it was accomplished, and the combination itself may be 



\ 



1866.] PUBLIC DOCUMENT— No. 8. 51 

said to have been the germ out of which the Suffolk Bank 
system was afterwards developed. 

In 1813 the New England Bank, in Boston, was chartered, 
and, soon after going into operation, began to take the bills of 
country banks at one per cent, discount, — a much higher rate 
having previously prevailed, — and declared its readiness to col- 
lect of the country banks for the mere cost of sending to the 
respective banks. Hitherto there had been no fixed rate of 
discount, but banks and brokers bought this money on the best 
terms they could. Now, however, there was to be competition 
in the business, or the other Boston banks must suffer the New 
England to draw away their depositors, who of course would go 
where they could do best with their country bank money. The 
competition thus produced lessened the rate of discount on 
this money till finally the Suffolk Bank, which was chartered 
in 1818, began to take it at a quarter of one per cent, discount, 
adopting however no settled system for enforcing its redemption, 
but contenting itself with employing the most convenient means 
for disposing of it. 

The country banks, of course, received some Boston money 
and checks on Boston banks ; and they also had paper payable 
in Boston, all of which were collected by an agent in that place, 
or by a messenger, and might sometimes have been used in 
taking up their bills ; but as it was for the interest of these 
banks to keep out as large a circulation as they lawfully could, 
it is natural to suppose that, till their bills accumulated in 
Boston, in amounts sufficiently large to threaten a demand for 
specie, they would take no measures to bring them home. 
Many of them would not do it even then, as the experience of 
the Suffolk Bank proved. 

In the meantime, banks multiplied rapidly in the country 
towns of Massachusetts, and in the other New England States. 
The profit to be derived from circulating their bills was a tempt- 
ing bait to over-issues, and the natural consequence followed ; 
large amounts of their bills found their way to Boston, where 
the trifling discount on country bank money that had of late 
prevailed, offered no serious obstacle to their free circulation. In 
this state of affairs it was determined to make a vigorous effort 
to remedy the existing evil, and avert the dangers which threat- 
ened greater ones in the future. This occurred in April, 1824, 



52 BANK COMMISSIONERS' REPORT. [Jan. 

when a committee of the directors of the Suffolk Bank was 
chosen to confer with other Boston banks with regard to the 
excessive issue of country bank paper, especially of that of the 
Eastern banks. The result of this conference was an arrange- 
ment by which six of these banks deposited with the Suffolk 
$250,000, for the use of which the latter bank was to take all 
their country bank money at par, and assume all risk of loss 
from any cause whatever. The Suffolk then commenced send- 
ing home this money for redemption by an agent who was 
instructed to demand the specie. On the stage routes, the 
public conveyances were used, but it was sometimes necessary 
to make use of a hired vehicle ; particularly when a call was 
to be made upon a distant bank which was expected to respond 
with a thousand or fifteen hundred pounds of silver. The 
business which this bank had undertaken was attended with a 
good deal of risk, some loss, and considerable expense ; and it 
drew upon the bank no small amount of obloquy ; but the 
interest of all country merchants and traders, and people who 
bought goods in Boston, or had debts to pay there, together 
with the fact that nobody gained' by non-redemption of these 
bills in Boston but those who issued them, insured the final 
success of this plan of compulsory redemption. A few of the 
oldest and soundest country banks held out for a long time, and 
paid in specie all the demands the Suffolk made upon them, 
necessitating^ of course, a somewhat frequent replenishing of 
their vaults with this article. They resisted, they said, from 
principle. Their bills, they knew, were as good as those of the 
Boston or any other banks, and they could not, without a feeling 
that it would be a discredit to their bills, consent from anv con- 
siderations of convenience or expediency to redeem them 
anywhere except at their own counters. But even these banks 
finally yielded, and, in the course of five or six years, the 
Suffolk Bank succeeded in inducing all the banks of New 
England to redeem their bills in Boston, or, what practically 
amounts to the same thing, to keep an account in Boston with 
some bank, or other agent, where their bills could be exchanged 
for Boston credits. 

The course of the Suffolk Bank during this proceeding was 
honorable, and as conciliatory as its object permitted. The 
country banks were only required to keep a small permanent 



1866.] public document—No. 8. 53 

deposit, without employing i1 as a redeeming bank, or, if so 
employing it, to keep a sufficient balance in the Suffolk as an 
equivalent, to compensate it for such risk as it might incur, and 
for the trouble and expense of receiving, sorting, and sending 
home their bills. 

Though this business of redemption has been attended with 
an occasional loss to the Suffolk Bank, it has yielded a large 
net profit to that institution ; but, when it is considered what 
incalculable benefit the system has conferred upon the people of 
the State, in affording them a sure safeguard against an 
unsound or fraudulent paper currency, none will regret that the 
numerous stockholders of an honorable corporation have 
received from it that pecuniary advantage to which the great 
service of the bank entitles them. 

The banking laws of the Commonwealth are the result of the 
legislation to which it has been found from time to time neces- 
sary to subject the banks, as experience has shown the need of 
interposition to regulate and restrict their operations. As there 
was no general law on the subject for more than thirty years, 
all of the early banks were governed by the provisions of their 
respective charters, and these provisions, though similar in 
some unimportant details, were very unlike in the most essen- 
tial particulars. We have seen with what unrestricted power 
as to loaning money and issuing bills the Massachusetts Bank 
entered upon its existence, and that*the State, in 1792, limited 
the former so that its loans should not exceed twice the amount 
of its capital stock ; but the Union Bank, chartered in that 
year, was not limited in that respect, though it was in the 
amount it could owe. By the charter of the Gloucester Bank, 
" the total amount of all discounts made by said corporation, 
and moneys loaned by them by a credit on their books or other- 
wise, was not at any time to exceed double the amount of the 
capital paid in," and the issue of its bills at any one time was 
not to exceed double its stock " in addition to the simple 
amount of all the specie deposited in said bank for safe keeping ; " 
but the Maine Bank, chartered soon after, could not owe at any 
one time more than twice the amount of gold and silver actually 
in their vaults, other than such as was actually deposited there 
for safe keeping. In another instance, the bank chartered was 
not to issue and have in circulation more than twice the amount 



54 BANK COMMISSIONERS' REPORT. [Jan. 

of stock paid in ; but uniformity in regard to issues and loans 
was at last secured by the Acts re-chartering the banks in 1812, 
and those subsequently granted to 1828, which provided that 
each bank should be governed by the restrictions, and enjoy the 
privileges contained in the Act to incorporate the State Bank, 
passed June 27, 1811. On the re-charter of the banks in 1831, 
this provision was no longer necessary, as an Act to regulate 
banks and banking, embodying all the important provisions of 
previous enactments, had been passed by the general court, Feb. 
28, 1829. We have noticed the course of our early legislation 
in respect to the matters just mentioned, because it is in the 
privilege of lending the money of other people, and issuing their 
own promises to pay as money, that the power of a bank for 
good or evil chiefly resides. 

The Commonwealth has been ever watchful of the condition 
and acts of its banking corporations, and prompt to condemn 
every infraction of the laws by which they were bound ; and we 
remember but two occasions on which any considerable number 
of those institutions have been summoned before the legislature 
to show cause why their charters should not be repealed. The 
first of these arose on a charge of taking more than six per cent, 
interest. The State had long before declared that to be the 
rate, and had enacted a law against usury ; but, in 1829, it 
passed a law expressly prohibiting banks from taking directly 
or indirectly any greater tnterest than six per cent., except 
ithat on drafts or inland bills of exchange the existing 
rate of exchange between the place where it was discounted 
and that where it was 'payable might be charged. In 1836 
some of the banks were brought up for a violation of this 
law. A degree of popular odium had been excited against this 
class of -corporations, in consequence of the controversy about the 
United States Bank, and a minute and lengtjiy investigation by 
a committee of the legislature took place ; the result of which 
was that two of the banks lost their charters, though they were 
afterwards restored. The law relating to exchange was 
extended, in. 1838, so as to include promissory notes of a cer- 
tain class, And the banks availed themselves of the additional 
privilege *t© such an extent, and in such a manner, that their 
proceedings in this respect have been frequently brought to the 
notice j@f itlie legislature by the Bank Commissioners. The 



1866.] PUBLIC DOCUMENT— No. 8. 55 

resort, however, to any mode for obtaining more than six per 
cent., which, in the unusually sensitive state of the public mind 
in regard to banks prevailing in 1826, seemed so heinous, has 
been gradually superseded by the practice, which we believe has 
well-nigh become universal with these corporations, of discount- 
ing at the current rate, whatever that may be ; and although the 
law may frown upon the practice, the consent of the people is 
freely accorded to it, because they cannot see any justice in 
requiring money-lenders to loan at three per cent., when money 
was worth no more, as in one period of the history of our banks, 
, and forbidding them to take more than six when borrowers are 
willing and glad to take it at nine. We trust that the time is 
not distant when the legislation of the State will concur in this 
custom, and make the trade in money as free as the trade in 
merchandise. 

The suspension of 1837 proved to be a crisis in the existence 
of several of our banks, and a few tottered dishonorably to 
ruin. Ten were brought before the legislature in 1838 and 
various acts of mismanagement and violation of law occasioned 
the repeal of their respective charters. The Commonwealth 
would gladly have been spared the shame of the transactions 
then disclosed ; but, considering the whirlwind of speculation 
that had just swept over the land, we have reason to rejoice that 
it left no greater stain. An English writer on banking has 
a fling at the " moral an,d religious State of Massachusetts," for 
its system ; but the experience of his own country in such cases 
is similar to ours in this. And the suffering of both from 
such causes ought to make us watchful to provide against their 
recurrence, by striving to improve our system till we have 
obtained the best that human wisdom can devise. 

The banks of Massachusetts during the last twenty-five years 
have presented but few cases of mismanagement', and none that 
we remember by which the public met with loss. We also state 
with great satisfaction that, from the examinations we have 
made, and from our knowledge of the high character for intelli- 
gence and integrity enjoyed by the directors and other officers 
connected with these institutions, it is our opinion that every 
one of them, at the time of conversion into a national associa- 
tion, could have paid off all its liabilities, and have returned to 
its stockholders all the capital they had invested in it, while in 



5Q BANK COMMISSIONERS' REPORT. [Jan. 

a great number of instances, a large additional sum could have 
been given ; and we take our leave of them with the wish that, 
as national institutions, th^v may continue in a career of pros- 
perity aird usefulness, and with the expression of our thanks to 
the several directors, cashiers, and other officers for the kindness 
and courtesy they have shown us. 

The Savings Banks, for the second time in their history, show 
a diminution in the aggregate amount of deposits. This has 
occurred in consequence of the withdrawal of deposits for invest- 
ment in government bonds, and not from any want of confidence 
in the institutions. The only other fact relating to them of 
sufficient importance to be recorded here is the unfortunate loss 
by theft, suffered by the Middlesex Savings Bank, in Concord, 
on the 25th day of September last. On that day public secur- 
ities, belonging to this bank, to the amount of $186,000 were 
stolen from the vault of the Concord Bank, where they were 
deposited for safe keeping. This was about one-quarter part of 
the investments of the bank, and the trustees accordingly 
ordered a charge of twenty-five per cent, to the account of each 
depositor, the bank continuing its business. It is understood 
that the detective police are in possession of such information in 
regard to the robbers, as to lead to the belief that a portion of 
the stolen property may be recovered. 

In a former report of this Board, mention was made of a 
practice then somewhat frequent in the savings banks, of loan- 
ing money on the notes of corporations, with two personal 
sureties, under the ' provisions of the statute which allows 
them " to loan on bonds or other personal securities, with 
at least two sureties, provided that the principal and sure- 
ties shall all be citizens of this State and residents therein." 
The commissioners expressed themselves strongly against 
this practice and stated that in their opinion a proper con- 
struction of the statute would not warrant such investments. 
The practice was thereupon abandoned by all the institutions 
which had followed it except the Provident Institution for 
Savings in Boston, where, on a recent visit, we found more 
than a million and a half of dollars loaned to a number of 
different corporations with the two personal sureties, as 
required by the statute, in each case. This kind of loans is 



1866.] public document—no. 8. 57 

claimed by this savings bank to be a legal mode of investment ; 
but, holding a different belief ourselves, we addressed a note to 
the attorney-general of the Commonwealth, asking his opinion 
as to the construction of the section above recited. In reply, 
that officer states it as his opinion, " that the note of a corpora- 
tion is a personal security within the meaning of that section, 
and that a corporation chartered or organized under our laws, 
and having its place of business in this Commonwealth, is a 
'citizen of the State,' within the meaning of the same section." 

That the savings banks generally consider themselves con- 
fined by this section to individual names, is evident from the 
fact that, with the single exception we have mentioned, none of 
them hold investments of the kind to which we here invite 
attention ; and if, in passing this law, it was the intention of 
the legislature to restrict these institutions to individual names 
in the loans therein authorized, some amendment seems neces- 
sary, in order to prevent the continuance of the practice of 
taking corporation notes by the bank before mentioned, and to 
provide against a re-adoption of it by other banks. 

The language of the statute allowing loans on personal 
securities, implies a preference for other authorized modes of 
investment ; and the Commissioners, we believe, have always 
discouraged a resort to them. The plea of convenience is 
certainly no longer available, since the amount and variety of 
public securities now in the market afford ample opportunity 
for easy and safe investments. 

The abolition of our Board leaves these institutions without 
any other supervision than that exercised by the several boards 
of trustees. We have reason to believe that these officers 
generally perform their duty faithfully ; but, from the common 
custom of managing them, the whole trust, in almost every case, 
is lodged with one individual, and we hope that the State will, 
in some form, renew its supervision. When we consider the 
large number of our people who have their little all deposited 
in them, and the influence they exercise in encouraging and 
promoting habits of industry and economy in the community, 
we cannot overestimate their importance ; and the appointment 
of one or more officers, who should be required to examine 
them yearly, is, in our opinion, a necessary act of care and 
precaution. The success and usefulness of our savings banks 

8 



58 BANK COMMISSIONERS' REPORT. [Jan. 

have been very great. The best men in the State have, on the 
principle of charity given them their time and attention ; and 
honest and faithful officers, with bat one exception, so far as 
our knowledge extends, have taken the custody of the millions 
which have passed into their hands, and the record is certainly, 
so far, honorable to the State. Our connection with these insti- 
tutions has been almost wholly through the presidents and 
treasurers, and we desire to express to them our grateful sense 
of kindness and attention received at their hands. 

The first Act for the appointment of a Board of Bank Com- 
missioners was passed Feb. 23, 1838. It was undoubtedly a 
consequence of the developments of that year in relation to the 
gross mismanagement of some of the banks. This Act was 
repealed March 23, 1843, and the general court then passed a 
law providing for the choice, by each bank of a committee of its 
stockholders to make a semi-annual examination of its affairs. 
Some of the provisions of this law were very repugnant to the 
directors of all the best managed banks, and it was repealed the 
next year. The Act by which our Board exists was passed 
May 8, 1851. The necessity for its existence being about to 
cease, the general court of 1865 passed an Act to abolish the 
Board, to take effect Dec. 31, 1865. We have the satisfaction 
of expressing our belief, in this our last official act, that the 
Board has exercised a salutary influence, and that it is, in 
no small degree, owing to its existence, that our banks were in 
that condition of prosperity and usefulness in which they passed 
from the fostering care of the Commonwealth. 

JOHN J. BABSON. 
J. FREDERIC MARSH. 
E. C. SHERMAN. 

December 30, 1865. 



APPENDIX. 



60 



BANK COMMISSIONERS' REPORT. 



[Jan. 



CA.] 

List of all the Banks in Massachusetts which have become National 
Banking Associations, with the date of the examinations made by the 
Commissioners on account of their conversion, and the time when they 
ceased to'issue their circulating notes. 



Boston Banks. 



N A m e . 



riace. 



Circulation. 



Date of 

Examination. 



Ceased to 
Issue. 



Atlantic, 

Atlas, 

Blackstone, 

Boston, 

Boylston, . 

Broadway, . 

City, . 

Columbian, 

Commerce. Bank of, 

Continental, 

Eagle, 

Eliot, . 

Exchange, . 

Eaneuil Hall, 

Freeman's, . 

Globe, 

Granite, 

Hamilton, . 

Hide and Leather, 

Howard, 

Market, 

Massachusetts, . 

Maverick, . 

Mechanics', 

Merchants', 

Mount Vernon, . 

Mutual Redemption 

Bank of, . 
National, . 
New England, . 
North, 
No. America, Bank of, 
Republic, Bank of the, 
Revere, 
Safety Fund, 
Shawm ut, . 
Shoe and Leather 

Dealers', . 
State, . 
Suffolk, 
Traders', . 
Tremont, . 
Union, 
Washington, 
Webster, ? 



Boston, 
« 



u 
(I 
u 
(I 
(( 
(( 
(t 
u 

u 
(( 
(I 
« 

u 
I. 

IC 

(t 
l( 

a 
u 

u 
(( 
(( 
II 
t( 

l( 

(I 
14 
(( 

(< 
[( 
tc 

(( 
u 

u 

(( 
M 
(( 
(( 
(C 
u 
(( 



$500,000 00 


1,000,000 00 


750.000 00 


900,000 00 


400,000 00 


150,000 00 


1,000.000 00 


1,000,000 00 


2,000,000 00 


300,000 00 


1,000.000 00 


600,000 00 


1,000,000 00 


500,000 00 


400,000 00 


1,000,000 00 


900,000 00 


500,000 00 


1,000,000 00 


500,000 00 


560,000 00 


800,000 00 


400.000 00 


250,000 00 


3,000,000 00 


200,000 00 


561,700 00 


750.000 00 


1,000,000 00 


860,000 00 


750,000 00 


1,000,000 00 


1,000,000 00 


1,000,000 00 


750,000 00 


1,000,000 00 


1,800,000 00 


1,000,000 00 


600,000 00 


1,500,000 00 


1.000,000 00 
750,000 00 


1,500,000 00 



Feb. 
Jan. 

Sept. 
Apr. 
Nov. 
Dec. 

Apr. 
Nov. 
Oct 

Apr. 

Nov. 

Oct. 

Mar. 

Jan. 

Apr. 

Mar. 

Feb. 

June 

Dec. 

Sept. 

Apr. 

Jan. 

Apr. 

July 

Feb. 

Sept. 

May 

Dec. 

Oct. 

Jan. 

Apr. 

July 

Jan. 

Dec. 

Jan. 
Apr. 
Jan. 
Oct. 
Jan. 
Apr. 
Dec. 



1, 


1865, 


10, 


ti 


13, 


1804, 


28, 


1865, 


28, 


1864, 


21, 


« 


20, 


a 


28, 


1805, 


15, 


1864, 


1, 


ti 


23, 


1865, 


9, 


1864, 


25, 


it 


14 


18G5, 


24, 


it 


28, 


u 


21, 


1864, 


8, 


1865. 


20, 


1864, 


29, 


u 


13, 


a 


28, 


1865, 


28, 


ic 


18, 


u 


16. 


1864, 


18, 


1865, 


30, 


1864, 


16, 


c< 


23, 


(I 


19, 


(( 


31, 


1865, 


29, 


1864, 


7, 


1865, 


29, 


1864, 


17, 


« 


26, 


1865, 


28, 


u 


2, 


a 


12, 


« 


3, 


i< 


28, 


a 


19, 


1864, 


15, 


1865, 



Mar. 

Nov. 
Dec. 

Feb. 
Jan. 
June 
Nov. 

Mar. 
Nov. 
Dec. 
July 
Apr. 



30, 1865. 

1, " 

15,1864. 

21, " 

If " 

1, 1865. 

14, " 

6, 1S64. 
15, 
14, 
25, 1865. 

30, 1864. 

1, " 

31, 1865. 

1. " 



u 
u 



Mar. 22, 
May 13, 
Sept. 30, 
Dec. 31, 
Nov. 1, 
Apr. 29, 

1. 

June 27, 

Oct. 1, 
Mar. 27, 

Sept. 30, 
May 18, 
Feb. 1, 
Nov. 30, 
Mar. 31, 
July 1, 
24, 
May 24, 
Feb. 7, 



1864. 
1865. 
1864. 



1865. 

u 
(I 

1864. 
1865. 

1864. 
ti 

1865. 
1864. 
1865. 
1864. 
1865. 
1864. 
1865. 



July 
Apr. 18, 
Feb. 4, 



1, " 






Feb. 24,1865. 
June 30, " 
Jan. 31, " 
Dec. 30, " 



1866.] 



PUBLIC DOCUMENT— No. 8. 



61 



Banks out of Boston. 



NAME. 



Tlace. 



Circulation. 



Date of 
Examination. 



Ceased to 
Issue. 



Abington, . . 
Adams, 
Agawam, . 
Agricultural, 
Andover, . 
Appleton, . 
Asiatic, 
Attleborough, 
Barnstable, 
Bay State, . 
Bedford Commercial, . 
Berkshire, . 
Beverly, 
Blackstone, 
Blue Hill, . 
Brighton, Bank of, . 
Brighton Market, 
Bristol County, . 
Bunker Hill, 
Cabot, 
Cambridge, 
Cambridge City, 
Cape Ann, Bank of, . 
Cape Cod, Bank of, . 
Central, 
Charles River, 
Chicopee, . 
Citizens', . 
City, . 
City, . 
Commercial, 
Concord, . 
Conway, 
Danvers, 
Dedham, . 
Essex, 
Exchange, . 
Fairhaven, . • 
Fall Biver, . 
Fall River Union 
Falmouth, . 
Fitchburg, . 
Framingham, 
Franklin County, 
Gloucester, 
Grafton, . 
Grand, 
Greenfield, . 
Hadley Falls, 
Hampden, . 
Hampshire Manufac- 
turers', . 
Harvard, . 
Haverhill, . 
Hingham, . 
Holliston, . 
Holyoke, . 
Hopkinton, 
Housatonic, 
John Hancock, 
Laighton, . 
Lancaster, . 
Lech mere, . 



Abington, 

Adams, . 

Springfield, 

Pittsfi'eld, 

Andover, 

Lowell, . 

Salem, 

Attleborough, 

Yarmouth, 

Lawrence, 

Xew Bedford, 

Adams, . 

Beverly, . 

Uxbridge, 

Dorchester, 

Brighton, 
u 

Taunton, 

Charlestown, 

Chicopee, 

Cambridge, 
it 

Gloucester, 

Harwich, 

"Worcester, 

Cambridge, 

Springfield, 

Worcester, 

Lynn, 

Worcester, 

Salem, . 

Concord, . 

Conwav, . 

Danvers, . 

Dedham, . 

Haverhill, 

Salem, 

Fairhaven, 

Fall River, 

It tt 

Falmouth, 

Fitchburg, 

Framingham, 

Greenfield, 

Gloucester, 

Grafton, . 

Marblehead, 

Greenfield, 

Holyoke, . 

Westfield, 

Ware, 

Cambridge, 

Haverhill, 

Ilingharri, 

Holliston, 

Northampton, 

Hopkinton, 

Stockbridge, 

Springfield, 

Lynn, 

Lancaster, 

Cambridge, 



S150.000 00 
350.000 00 
300,000 00 
200.000 00 
250.000 00 
200,000 00 
315,000 00 
100,000 00 
350.000 00 
375.000 00 
600,000 00 
100.000 00 
125,000 



00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 
00 



100,000 
150.000 
200.000 
250.000 
500,000 
300,000 
150.000 
100,000 
100,000 
150,000 
150.000 
250,000 
100.000 
300,000 
150,000 
150.000 
400,000 00 
200,000 00 
100.000 00 
150,000 00 
150.000 00 
300,000 00 
100.000 00 
200.000 
210,000 
350.000 
200^000 
100,000 00 
250,000 00 
200,000 00 
200^00 00 
300.000 00 
100,000 00 
100,000 00 
200,000 00 
200.000 00 
150,000 00 

350,000 00 
200,000 00 
200,000 00 
140,000 00 
100,000 00 
200,000 00 
150,000 00 
200,150 00 
150,000 00 
200.000 00 
200,000 00 
150,000 00 



00 
00 
00 
00 



Sept.- 
June 


23, 
6, 


1865, 
u 


Apr. 
June 


26, 

7, 


it 
u 




2, 


CI 


Apr. 
i Jan. 


21, 
19, 


u 
(i 


> Oct. 


13, 


« 


Xov. 


16, 


1864, 


Apr. 
• Feb. 


27, 
2, 


1865, i 

it 


Sept. 

Mar. 


6, 

29, 


K 
M 


May 
Jan. 


2 

23 ' 


11 

it 


May 
Mar. 


18, 
13, 


u 
u 


< Feb. 


28, 


tt 


'■ Dec. 


31, 


1864, 


Apr. 
I June 


26, 
20, 


1865, 

ti 


Jan. 


30, 


a 


j Apr. 


29, 
3, 


tt 
u 


: June 


15, 


1864, 


Jan. 


25, 


1865, ! 


' Apr. 
Feb. 


25, 

7, 




Mar. 


16, 


u 


July 
May 


12, 
13, 


1S64, 

tc 


Mar. 


28, 


1865, 


Feb. 


23, 


if 


Apr. 
Jan. 


11, 
13, 


tc 


I Dec. 


8, 


1864, 


j Mar. 


21, 


1865, ! 


! Aug. 
j Dec. 


31, 
16, 


1864, j 


! July 


5, 


1865, 




18. 


c< 


May 


22, 


i< 


Xov. 


10, 


1864, 


May 
July 


16, 
13, 


1865, 1 
it 


: Apr. 
Jan. 


10, 
27, 


u 
ci 


Sept. 
June 


10, 
9, 


1864, 
1865, 




28, 


it 


Jan. 


20, 


« 


June 


4, 


1864, 


July 


29, 


ci 


June 


23, 


1865, 


Feb. 


27, 


ii 


May 
Jan. 


4, 
12, 


1864, 
1865, 


June 




ii 


Apr. 
Oct. 


26, 
4, 


ii 
ii 


Dec. 


6, 


1864, 


Feb. 


25, 


1865, 



Xov. 25, 1865. 



Sept. 


30, 1865. 


Aug. 


15, " 




31, " 


Sept. 


30, " 


Feb. 


20, " 



Xov. 
Sept. 
Mar. 

July 

Aug. 

Apr. 

Sept. 

June 

May 

Feb. 

Sept. 

May 
Aug. 
Apr. 
Xov. 
| Apr. 
Oct. 
Apr. 

Xov. 
Sept. 
July 

July 
Apr. 
Jan. 
May 

! Oct. 
Jan. 
Sept. 

Aug. 

Dec. 

June 

Sept. 

July 

Apr. 

Sept. 



21, 1864. 
21, 1865. 
15, " 

1, 1865. 

14, 
3, 

2, 

12, 
31, 
28, 
30, 
26, 

9, 
12, 



ii 
ii 

ic 
ci 

it 
ii 
ii 
ii 
tc 

K 

it 



1, 1864. 
30, 1865. 
31, " 
29, 



ii 
it 



14. 1864. 

1, *' 

3, 1865. 

25. 1865. 

1, " 
31, " 

20, « 

1,1864. 

14, 1865. 

30, " 

30, " 

28, " 

10,1864. 

12,1865. 
go ii 

— ', 

15, « 

1, " 

19, 1864. 



Xov. 18,1865. 



Mar. 
Oct. 



May 
July 

Feb. 

Xov. 
Mar. 



it 



20, 1864. 

3, " 
2, 1865. 
31, «' 

30. 1864. 

18. 1865. 



1,1865. 
6, 
9, 
1, 



it 

it 
it 



62 



BANK COMMISSIONERS' REPORT. 



[Jan, 



Banks out of Boston — Continued. 



NAME. 



riace. 





Date of 


Ceased to 


Circulation. 












Examination. 


Issue. 


$210,000 00 


Apr. 


7, 1865, 


June 


30, 1865. 


200,000 00 




8, " 


- 


- 


200,000 00 


July- 


11, « 


Oct. 


28, 1865. 


250,000 00 


Dec. 


31,1864, 


Mar. 


1, " 


200,000 00 


May 


9, 1865, 


Aug. 


30, " 


200,000 00 


June 


8, " 




— 


100,000 00 


Jan. 


11, " 


Jan. 


12, 1865. 


102,000 00 


Feb. 


24, " 


June 


15, " 


600,000 00 


Apr. 


30, 1864, 


July 


9, 1864. 


100,000 00 


Aug. 


15, 1865, 


Oct. 


24, 1865. 


200,000 00 


Jan. 


18, " 


Feb. 


28, " 


600,000 00 


Feb. 


14, » 


Apr. 


20, " 


200,000 00 


Dec. 


22, 1864, 


Jan. 


18, " 


359,000 00 


June 


10, 1865, 


Aug. 


1, " 


200,000 00 


Jan. 


27, " 


Apr. 


10, " 


150,000 00 


Sept. 


5, 1864, 


- 


— 


600,000 00 


Mar. 


24, 1865, 


May 


20, 1865. 


120,000 00 


May 


19, " 


Aug. 


28, " 


200,000 00 


Feb. 


18, " 


Mar. 


31, " 


180,000 00 


Dec. 


30, 1864, 




1, " 


600,000 00 


Apr. 


14, 1865, 


July 


17, " 


250,000 00 


June 


30, " 




31, " 


100,000 00 


Nov. 


17, 1864, 


Jan. 


6, « 


150,000 00 


Feb. 


23, 1865, 


May 


1, " 


150,000 00 


Oct. 


4, 1864, 


Nov. 


1, 1864. 


150,000 00 


Apr. 


25, 1865, 


— 


— 


150,000 00 


Sept. 


19, 1864, 


Nov. 


1, 1864. 


500,000 00 


Jan. 


5, 1865, 


Apr. 


3, 1865. 


100,000 00 


Feb. 


21, " 




19, " 


150,000 00 


Mar. 


27, « 


June 


19, " 


200,000 00 


June 




Nov. 


6, » 


100,000 00 


July 




1, " 


150,000 00 


May 


25, " 


Aug. 


3, « 


210,000 00 


Apr. 


24, " 




10, " 


100,000 00 


Feb. 


10, " 


Mar. 


31, " 


200,000 00 


May 


5, » 




28, " 


100,000 00 


Apr. 


27, " 


Sept. 


8, » 


150,000 00 


Jan. 


4, " 


Feb. 


24, " 


500,000 00 


June 


7, » 


Oct. 


2, " 


150,000 00 


Feb. 


20, " 


Apr. 


25, " 


200,000 00 




6, " 


Mar. 


28, " 


100,000 00 


May 


30, " 


Oct. 


2, " 


200,000 00 


Apr. 


12, " 


Aug. 


15, ** 


100,000 00 


Mar. 


22, " 


July 


29, " 


150,000 00 


Apr. 


26, " 


- 


— 


150,000 00 


Mar. 


11, « 


June 12, 1865. 


250,000 00 


May 


17, " 


Sept. 


30, " 


600,000 00 


Mar. 


8, « 


July 


24, " 


150,000 00 


Nov. 


18, 1864, 


Dec. 


15, 1864. 


300,000 00 


Dec. 


27. " 


— 


— 


100,000 00 


July 


13,' 1865, 


- 


— 


250,000 00 


Mar. 


3, " 


Mar. 


31, 1865. 


187,500 00 


Feb. 


4, » 


May 


13, " 


150,000 00 


Sept. 


7, " 


Aug. 


24, " 


150,000 00 


Mar. 


30, « 


June 


30, « 


100,000 00 


July 


27, " 


Dec. 


30, " 


100,000 00 


Oct. 


10, " 


Nov. 


30, " 


300,000 00 


June 


8, 1884, 


Aug. 


1, 1864, 


400,000 00 


May 


9, 1865, 


Oct. 


14, 1865, 


100,000 00 


Apr. 


15, " 


- 


- 


150,000 00 


Nov. 


1, 1864, 


Nov. 


28, 1864. 


200,000 00 


July 


26, " 


Oct. 


1, " 



Lee, . 

Leicester, . 

Lowell, 

Lynn Mechanics' 

Machinists', 

Mahaiwe, . 

Maiden, 

Marblehead, 

Marine, 

Martha's Vineyard, 

Massasoit, . 

Mechanics', 

Mechanics', 

Mechanics', 

Mercantile, 

Merchants', 

Merchants', 

Merchants', 

Merchants', 

Merrimack, 

Metacoraet, 

Mil ford, . 

Millbury, . 

Miller's River, 

Monson, 

Monument, 

Mount Wollaston, 

Naumkeag, 

Neponset, . 

Newton, 

Northampton, 

Northborough, 

Ocean, 

Old Colony, 

Oxford, 

Pacific, 

Pemberton, 

People's, . 

Pittsfield, . 

Plymouth, . 

Pocasset, . 

Powow Kiver, 

Prescott, 

Provincetown, 

Pynchon, . 

Quincy Stone, 

Quinsigamond, 

Railroad, . 

Randolph, . 

Rockland, . 

Rock port, . 

Rollstone, . 

Salem, 

Shelburne Falls, 

Southbridge, 

South Reading, 

Spicket Falls, 

Springfield, 

Taunton, . 

Townsend, . 

Tradesman's, 

Union, 



Lee, 

Leicester, 

Lowell, . 

Lynn, 

Taunton, 

Gt. Barrington 

Maiden, . 

Marblehead, 

New Bedford, 

Ed^artown, 

Fall River, 

New Bedford, 

Newburyport, 

Worcester, 

Salem, • 

Lowell, . 

New Bedford, 

Newburj'port, 

Salem, 

Haverhill, 

Fall River, 

Milford, . 

Millbury, 

Athol, 

Monson, . 

Charlestown, 

Quincy, . 

Salem, 

Canton, . 

Newton, . 

Northampton, 

Northborough 

Newburyport, 

Plymouth, 

Oxford, . 

Nantucket, 

Lawrence, 

Roxbury, 

Pittsfield, 

Plymouth, 

Fall River, 

Salisbury, 

Lowell, . 

Provincetown, 

Springfield, 

Quincy, . 

Worcester, 

Lowell, . 

Randolph, 

Roxbury, 

Rockport, 

Fitchburg, 

Salem. . 

Shelburne, 

Southbridge, 

S. Reading, 

Methuen, 

Springfield, 

Taunton, 

Townsend, 

Chelsea, . 

Haverhill, 



1866.] 



PUBLIC DOCUMENT— No. 8. 



63 



Banks out of Boston — Concluded. 









Date of 


Ceased to 


NAME. 


Place. 


Circulation. 


Examination. 


Issue. 


Union Bank of Wey- 










mouth & Braintree, 


Wevmouth, . 


$150,000 00 


Sept. 27,1864, 


Nov. 1,1864. 


Village, 


Danvers, . 


150.000 00 


Dec. 2, " 


Jan. 31, 1S65. 


Waltham, . 


• 


Waltham, 


150,000 00 


Feb. 17,1865, 


Apr. 1, " 


Wamesit, . 


• 


Lowell, . 


150,000 00 


Apr. 21, " 


— — 


Wamsutta, 


• 


Fall River, . 


100,000 00 


July 22, 1864, 


Aug. 22, 1864. 


Wareham, . 


• 


Wareham, 


100,000 00 


Aug. 3, 1865, 


— — 


Warren, 


► ♦ 


S. Danvers, 


250,000 00 


Jan. 17, " 


Mar. 3, 1865. 


Woburn, . 


, . 


Woburn, . 


150,000 00 


Mar. 9, " 


May 6, " 


Worcester, . 


i • 


Worcester, 


300,000 00 


June 8, 1864, 


Sept. 30, 1864. 


Worcester County, . 


Blackstone, 


100,000 00 


Sept. 1, 1865, 


— — 


Wrentham, 


Wrentham, 


105,000 00 


Aug. 2, " 


Sept. 30, 1865. 



The banks which have the last column blank, in the preceding table, 
are those that have not advertised the time when they ceased to issue 
their bills ; their liability to redeem remains the same as it was before 
the passage of chapter 163, Acts of 1865. The other banks will be 
absolved from their liability in three years from the time when they 
ceased to issue their circulating notes, provided they advertise agah> 
according to the requirements of the Act aforesaid. 



64 



BANK COMMISSIONERS' REPORT. 



[Jan. 



CB.] 

Banks incorporated in Massachusetts since the adoption of the State 
Constitution ; not including those incorporated in the District of 
Maine.* 







Date of 




N A M E . 


Location. 


Incorporation. 


Capital.. 


Massachusetts, 


Boston, 


Feb. 7, 1784, 




Union, .... 


u 


June 25, 1792, 


$400,000 00 


Nantucket,f . 


Nantucket, 


Feb. 27, 1795, 


40,000 00 


Merrimack,! . 


Newburyport, 


June 25, " 


70,000 00 


Essex, .... 


Salem, 


18, 1799, 


100,000 00 


Gloucester, 


Gloucester, 


Jan. 27, 1800, 


40,000 00 


Beverly, 


Beverly, 


June 23, 1802, 


80,000 00 


Northampton, 


Northampton, 


Mar. 1, 1803, 


75,000 00 


Boston, .... 


Boston, 


4, « 


1,200,000 00 


•Bedford, 


New Bedford, 


7,. " 


60,000 00 


Salem, .... 


Salem, 


8, « 


200,000 00 


Newburyport, 


Newburyport, 


8, « 


100,000 00 


Plymouth, 

% 7 


Plymouth, . 


June 23, " 


100,000 00* 


Nantucket Pacific, . 


Nantucket, 


Mar. 3, 1804, 


100,000 00 


Marblehead, . 


Marblehead, 


7, " 


100,000 00 


Worcester, 


Worcester, . 


7, " 


150,000 00 


Berkshire, 


Pittsfield, . 


Feb. 25, 1806, 


75,000 00 


Merchants', 


Salem, 


June 26, 1811, 


200,000 00 


orate, .... 


Boston, 


27, " 


3,000,000 00 


Phoenix, ... 


Nantucket, 


23, 1S12, 


100,000 00 


Mechanics', 


Newburyport, 


23, " 


200,000 00 


Taunton, 


Taunton, . 


93 i( 

— J ? 


100,000 00 


New England, 


Boston, 


16, 1813, 


1,000,000 00 


Hampshire, 


Northampton, 


16, " 


100,000 00 


Springfield, . 


Springfield, 


Feb. 4, 1814, 


200,000 00 


Manufacturers' and Me- 








chanics'^ . 


Boston, 


18, " 


1,500,000 00 


Dedham, 


Dedham, . 


26, " 


100,000 00 


Lynn Mechanics', . 


Lynn, 


28, " 


100,000 00 


Pawtucket, 


Seekonk, . 


June 13, " 


100,000 00 


Merrimack, 


Haverhill, . 


14, " 


100,000 00 


Bedford Commercial, 


New Bedford, 


Feb. 10, 1816, 


100,000 00 


Suffolk, .... 


Boston, 


10, 1818, 


500,000 00 



* Where a maximum and minimum amount of capital are stated, the latter is here given. 

t By an Act of March 1, 1797, the minimum amount of capital was reduced to 820,000, as by 
reason of a theft lately committed on the bank the stockholders were unable to raise so large a 
sum as §40,000. 

% United to Newburyport Bank June 14, 1805. 
§ Name changed to Tremont Bank March 8, 1830. 



1866.] 



PUBLIC DOCUMENT— No. 8. 



65 



Banks Incorporated in Massachusetts — Continued. 







Date of 




NAME. 


Location. 






Capital. 






Incorporation. 




Boston Merchants', 


Boston, 


Feb. 


13, 1818, 


$500,000 00 


Agricultural, . 


Pittsfield, . 






20, " 


100,000 00 


Commercial, . 


Salem, 






12, 1819, 


300,000 00 


Falmouth, 


Falmouth, , 






14, 1821, 


100,000 00 


Franklin,* 


Greenfield, 




Jan. 


29, 1822, 


100,000 00 


Middlesex, 


Concord, . 






29, " 


100,000 00 


Columbian, . 


Boston, 




Feb. 


20, " 


500,000 00 


Eagle, .... 


n 






21, " 


500,000 00 


City, .... 


(( 






23, " 


500,000 00 


Exchange, . . • . 


Salem, 




Jan. 


31, 1823, 


200,000 00 


Oxford, 


Oxford, 




Feb. 


8, « 


100,000 00 


Mendon, 


Mendon, 




i 


7, 1824, 


100,000 00 


Mechanics' and Traders', 


Boston, 






19, « 


500,000 00 


American, 


(( 






20, " 


500,000 00 


Commonwealth, 


« 






20, " 


500,000 00 


Globe, .... 


a 




June 


12, " 


500,000 00 


Asiatic, .... 


Salem, 






12, " 


200,000 00 


Washington, . 


Boston, 




Feb. 


26, 1825, 


500,000 00 


Fall River, . 


Troy, 






26, " 


100,000 00 


Barnstable, . 


Yarmouth, . 






26, " 


100,000 00 


Housatonic, . 


Stockbridge, 




26, " 


100,000 00- 


Sunderland,! . 


Sunderland, 




26, « 


100,000 00 


Hampshire Manuf 'ers', . 


Ware, 




26, " 


100,000 00 


Danvers, 


Danvers, . 




26, " 


120,000 00 


Farmers', 


Belchertown, 




26, " 


100,000 00 


Manufacturers' and Me- 










chanics', 


Nantucket, 


June 


18, " 


100,000 00 


Blackstone, . 


Uxbridsje, . 




18, « 


100,000 00 


Hampden,. 


Westfield, . 




18, " 


100,000 00 


Merchants', 


New Bedford, 




18, " 


150,000 00 


Millbury, 


Millbury, . 




18, " 


100,000 00 


Bunker Hill, . 


Charlestown, 




18, « 


150,000 00 


North, . . ... 


Boston, 




18, « 


500,000 00 


Bank of Norfolk, . 


Roxbury, . 


Mar. 


4, 1826, 


200,000 00 


Mercantile, . 


Salem, 




4, » 


200,000 00 


Andover, 


Andover, . 




4, « 


100,000 00 


Cambridge, . 


Cambridge, 




4, « 


150,000 00 


Leicester, 


Leicester, . 




4, « 


100,000 00 


Mechanics' and Traders', 


Salem, 




10, 1827, 


200,000 00 


Boston South, 


Boston, 




10, " 


500,000 00 


Atlantic, 


• • 


Feb. 


10, 1828, 


500,000 00 


Merchants', . 


• • 




10, " 


500,000 00 


East Bridgewater, . 


East Bridgewater 


Mar. 


8, « 


100,000 00 


Franklin, 


Boston, 




8, « 


100,000 00 


Hingham, 


Hingham, . 




8, « 


100,000 00 


Hamilton, 


Boston, 




10, " 


500,000 00 


Greylock, 


Adams, 




10, " 


100,000 00 


Brighton, 


Brighton, . 




10, « 


150,000 00 


India, .... 


Boston, 




11, « 


500,000 00 



* Name changed to Greenfield Bank. 

t Location and name changed on removal to Amherst, by Act of June 13, 1831. 

9 



66 



BANK COMMISSIONERS' REPORT. ' 



[Jan. 



Banks Incorporated in Massachusetts — Continued. 







Date of 




NAME. 


Location. 


Incorporation. 


Capital. 


Sutton, .... 


Sutton, 


Mar. 11,1828, 


$100,000 00 


Lowell, .... 


Lowell, 


11, « ' 


100,000 00 


Southbridge, . 


Southbridge, 


12, " 


100,000 00 


Central, 


Worcester, 


12, " 


100,000 00 


Nashua River, 


Fitchburg, . 


June 11, " 


100,000 00 


Cohannet, 


Taunton, . 


Mar. 3, 1829, 


100,000 00 


Traders' 


Boston, 


1G, 1831, 


500,000 00 


Bank of General Interest, 


Salem, 


17, " 


200,000 00 


Citizens', 


Nantucket, 


18, « 


100,000 00 


Fairhaven, 


Fairhaven, 


18, " 


100,000 00 


Grand, .... 


Marblehead, 


18, " 


100,000 00 


Merchants', . 


Newburyport, 


18, " 


225,000 00 


Nantucket, 


Nantucket, 


18, " 


100,000 00 


Hamilton, 


Boston, 


19, " 


500,000 00 


Merchants', . 


a 

• • 


19, " 


500,000 00 


Middlesex, 


Cambridge, 


19, " 


150,000 00 


Railroad, 


Lowell, 


19, " 


200,000 00 


Mechanics', 


New Bedford, 


June 10, " 


200,000 00 


Commercial, . 


Boston, 


15, " 


500,000 00 


Oriental, 


K 


23, " 


500,000 00 


Fitchburg, 


Fitchburg, . 


Feb. 28,1832, 


100,000 00 


Charles River, 


Cambridge, 


29, " 


100,000 00 


Market, .... 


Boston, 


Mar. 1, " 


500,000 00 


Adams, .... 


Adams, 


3, " 


100,000 00 


Concord, 


Concord, . 


3, « 


100,000 00 


Marine, .... 


New Bedford, 


3, « 


200,000 00 


Old Colony, . 


Plymouth, . 


3, « 


100,000 00' 


Warren, 


Danvers, . 


3, « 


120,000 00 


Mercantile,* . 


Boston, 


6, « 


500,000 00 


Bristol County, 


Taunton, . 


• 6, « 


100,000 00 


Bank of Brighton, . 


Brighton, . 


9, » 


150,000 00 


Wrentham, . 


Wrentham, 


10, " 


100,000 00 


Charlestown, . 


Charlestown, 


13, « 


150,000 00 


Phoenix, 


a 


13, « 


150,000 00 


Dorchester and Milton,f . 


Dorchester, 


17, " 


100,000 00 


Union Bank of Weymouth 








and Braintree, . 


Weymouth, 


17, " 


100,000 00 


Ocean, .... 


Newburyport, 


20, 1833, 


200,000 00 


Nahant, 


Lynn, 


22, " ' 


150,000 00 


Wareham, 


Wareham, . 


22, " 


100,000 00 


Duxbury, 


Duxbury, . 


25, " 


100,000 00 


Framingham, 


Framingham, 


25, " 


100,000 00 


Hancock, 


Boston, 


25, " 


500,000 00 


Hingham, 


Hingham, . 


25, « 


100,000 00 


Ipswich, 


Ipswich, 


25, " 


100,000 00 


Northampton, 


Northampton, 


25, " 


100,000 00 


People's, 


Roxbury, . 


25, " 


200,000 00 


Quinsigamond, 


Worcester, 


25, « 


100,000 00 


South, .... 


Boston, 


25, " 


500,000 00 



* Name changed to Granite Bank, March 11, 1833. 
f Name changed to Blue Hill Bank, 1851. 



1866.] 



PUBLIC DOCUMENT— No. 8. 



67 



Banks Incorporated in Massachusetts — Continued. 



• 




Date of 




NAME. 


Location. 






Capital. 






Incorporation. 




Winnisimmet,* 


Boston, 


Mar. 


27, 1833, 


$500,000 00 


-/jlIIo-Sj • • « a 


u 






28, " 


500,000 00 


Lee, . . . 


Lee, . 






27, 1835, 


100,000 00 


City, . . . 


Lowell, 






31, 1836, 


150,000 00 


Mechanics', . 


Boston, 






31, « 




150,000 00 


North American, . 


Salem, 






31, < 




300,000 00 


Powow River, 


Salisbury, 






31, « 




100,000 00 


Quincy Stone, 


Quincy, 






31, < 




100,000 00 


Randolph, 


Randolph, 






31, « 




150,000 00 


Southbridge, . 


Southbridge, 




31, < 




100,000 00 


Tillage, . . . 


Danvers. . 




31, « 




120,000 00 


Attle borough, 


Attleborough, 


Apri 


1, ' 




100,000 00 


East Bridgewater, . • . 


East Bridgewater, 




1, « 




100,000 00 


Essex, .... 


Andover, . 




1, < 




100,000 00 


Farmers' and Mechanics', 


Adams, 






1, ' 




100,000 00 


Haverhill, . . ; 


Haverhill, 






1, < 




100,000 00 


Manufacturers', 


Rowley, 






1, ' 




100,000 00 


Blackstone, 


Boston, 






9, ' 




500,000 00 


Chicopee, 


Springfield, 




9, ' 




200,000 00 


Citizens', 


Worcester, 




9,. < 




500,000 00 


India, .... 


Boston, 




9, ' 




1,000,000 00 


Lancaster, 


Lancaster, 






9, ' 




100,000 00 


Shoe & Leather Dealers', 


Boston, 






9, ' 




500,000 00 


"VVarren,j 


u 






9, ' 




500,000 00 


Middling Interest, . 


a 






13, ' 




150,000 00 


Roxbury, 


Roxbury, . 






13, < 




100,000 00 


Kilby, .... 


Boston, 






15, < 




500,000 00 


Chelsea, 


Chelsea, 






16, < 




100,000 00 


Freeman's, 


Boston, 






16, ' 




150,000 00 


Lafayette, 


a 






16, < 




150,000 00 


Waltham, 


Waltham, 






16, < 




100,000 00 


Winthrop, 


Roxbury, 






16, « 




100,000 00 


Woburn, . . 


Woburn, . 






16, < 




100,000 00 


Cabot, .... 


Springfield, 




5, 1837, 


200,000 00 


Fishermen's, . 


Provincetown, . 




5, 1839, 


100,000 00 


Cabot, .... 


Springfield, 


Jan. 


24, 1845, 


150,000 00 


Boylston, 


Boston, 


Mar. 


14, » ' 


150,000 00 


Hampshire and Franklin, 


Amherst, 




18, " 


100,000 00 


Agawam, 


Springfield, 


Feb. 


12, 1846, 


100,000 00 


Massasoit, 


Fall River, 


April 


15, " " 


100,000 00 


Bay State, 


Methuen, . 


Feb. 


10, 1847, 


200,000 00 


Appleton, 


Lowell, 


Mar. 


6, « 


100,000 00 


Exchange, 


Boston, 


Apri' 


12, « 


500,000 00 


Machinists', . 


Taunton, . 




12, « 


100,000 00 


Mahaiwe, 


Great Barrington, 




19, " 


100,000 00 


Bank of Barre, 


Barre, 




17, 1848, 


100,000 00 


Grocers', 


Boston, 




17, " 


250,000 00 


Newton, 


Newton, 




17, " 


100,000 00 


Mechanics', . 


Worcester, 




21, " 


100.000 00 



* Name changed to Fulton Bank, March 0, 1835. 
t Name changed to Shawmut Bank, April 20, 1837. 



68 



BANK COMMISSIONERS' REPORT. 



[Jan, 



Banks Incorporated in Massachusetts — Continued. 



NAME, 



Location. 



Date of 
Incorporation. 



Capital. 



Holvoke, 

Franklin County, 

Cape Cod, 

Cochituate, 

Laighton, 

Mattapan, 

Milford, . 

Rollstone, 

Union, . 

Western, 

Worcester County, 

Rockport, 

Tradesman's, . 

Prescott, 

John Hancock, 

Bank of North America 

Mariners', 

Abington, 

Bank of Commerce, 

Haymarket Square, * 

Cambridge Market, 

Essex, . 

Faneuil Hall, 

Hadley Falls, . 

Maiden, 

Blackstone, . 

Westfield, . 

Hopkinton, . 

Metacomet, . 

Pittsfield, 

Lechmere, 

Cambridge City, 

Wamesit, 

Eliot, . 

Woburn, 

Howard Banking Co., 

Broadway, 

Rockland, 

Pynchon, 

ISlount Wollaston, 

National, 

Webster, 

"Spicket Falls, 

Bass River, . 

Brighton Market, 

'City, . 

City Bank of Worcester, 

Conway, 

Grafton, 

Holliston, 

Maverick, 



Northampton, 

Greenfield, 

Provincetown, 

Boston, 

Lynn, 

Dorchester, 

Milford, 

Fitchburg, . 

Haverhill, . 

Springfield, 

Blackstone, 

Rockport, 

Chelsea, 

Lowell, 

Springfield, 

Boston, 

Dennis, 

Abington, 

Boston, 



it 



Cambridge, 

Haverhill, 

Boston, 

Holyoke, 

Maiden, 

Boston, 

Westfield, 

Hopkinton, 

Fall River, 

Pittsfield, 

Cambridge, 



tt 



Lowell, 
Boston, 
Woburn, 
Boston, 



tt 



Roxbury, 
Springfield, 
Quincy, 
Boston, 



tt 



Methuen, 

Beverly, 

Brighton, 

Lynn, 

Worcester, 

Conway, 

Grafton, 

Holliston, 

Boston, 



April 



May 



25. 1848, 

24. 1849, 
26, " 
30, 



tt 



April 



<t 
u 
tt 
tt 
tt 
tt 
tt 



May 



tt 

u 
tt 
ft 
ft 
u 
11 



ft 
ft 
ft 
ft 
ft 
(t 



April 



May 
Mar. 



6, 1850, 

6, 

6, 

6, 

8, 

8, 

8, 

9, 

9, 
24, 1851, 

24, 

24, 

24, 

24, 

24, 

24, 

28, 1853, 

28, 

28, 

28, 

28, 

28, 

28, 

28, 

28, 

28, 

28, 

28, 

28, 

28, 

28, 

25 

28,' 1854, 



ft 
ft 
tt 
ft 
tt 
tt 
tt 
ft 
tt 
tt 
tt 
tt 
tt 
tt 
tt 



$100,000 00 
100,000 00 
100,000 00 
150,000 00 
100,000 00 
100,000 00 
100,000 00 
100,000 00 
100,000 00 
100,000 00 
100,000 00 
100,000 00 
100,000 00 
100,000 00 
100,000 00 
500,000 00 
100,000 00 
100,000 00 
750,000 00 
150,000 00 
100,000 00 
100,000 00 
500,000 00 
100,000 00 
100,000 00 
250,000 00 
100,000 00 
100,000 00 
400,000 00 
150,000 00 
100,000 00 
100,000 00 
100,000 00 
300,000 00 
100,000 00 
500,000 00 
100,000 00 
100,000 00 
150,000 00 
100,000 00 
300,000 00 

1,500,000 00 
100,000 00 
100,000 00 



28, 


tt 


100,900 00 


28, 


tt 


100,000 00 


28, 


tt 


200,000 00 


28, 


tt 


100,000 00 


28, 


ft 


100,000 00 


28, 


tt 


100,000 00 


28, 


tt 


400,000 00 



1866.] 



PUBLIC DOCUMENT— No. 8. 



69 



Banks Incorporated in Massachusetts — Concluded. 







Date of 




NAME. 


Location. 


Incorporation. 


Capital. 


Merchants', * . 


Lowell, 


Mar. 28,1854, 


$100,000 00 


Monument, . 


Charlestown, 


28, " 


150,000 00 


Miller's River, 


Athol, 


28, " 


100,000 00 


North Bridgewater, 


N. Bridgewater, . 


28, " 


100,000 00 


Northborough, 


Northborough, . 


28, " 


100,000 00 


Pemberton, . 


Lawrence, . 


28, " 


100,000 00 


Provincetown, 


Provincetown, . 


28, " 


100,000 00 


South Reading, 


South Reading, . 


28, " 


100,000 00 


Townsend, 


Townsend, 


28, " 


100,000 00 


Blackstone River, . 


Blackstone,- 


30, " 


100,000 00 


Vineyard, 


Edgartown, 


April 12, " 


100,000 00 


Bank of Cape Ann, 


Gloucester, 


May 21, 1855, 


150,000 00 


Bank of Cape Cod, 


Harwich, . 


21, " 


100,000 00 


Bank of Mutual Redemp- 








tion, . . ... 


Boston, 


21, " 


3,000,000 00 


Shelburne Falls, . 


Shelburne, 


June 4, 1856, 


100,000 00 


Wamsutta, 


Fall River, 


4, « 


100,000 00 


Hide and Leather, 


Boston, 


May, 29,1857, 


1,000,000 00 


Berkshire, 


Adams, 


April 4,1860, 


100,000 00 



The following Banks, previously Rhode Island Banks, lecame Massa- 
chusetts Banks hy an alteration of the State line in 1862. 



Fall River Union, 
Pocasset, 



Fall River, 



a 



a 



$200,000 00 
200,000 00 



The following Banks were organized under the General Banking Laio 

of 1851. 



Bank of the Metropolis, . 


Boston, 


October, 1858, 


$200,000 00 


Safety Fund, . 


a 


Feb., 1859, 


1,000,000 00 


Revere, .... 


a 


May " 


1,000,000 00 


Bank of the Republic, . 


a 


Feb. 3, 1860, 


1,000,000 00 


Mount Vernon, 


a 


Nov., " 


200,000 00 


Continental, . 


a 


u 


300,000 00 


Harvard, 


Cambridge, 


March, 1861, 


200,000 00 



70 



BANK COMMISSIONERS' REPORT. 



[Jan, 



Banks Incorporated hy 3Iassachusetts in the District of Maine. 







] 


Date of 




■ NAME. 


Location. 






Capital. 


. 




Incorporation 




Portland,* 


Portland, . 


June 


15, 1799, 


$100,000 00 


Maine, .... 


« 




23, 1802, 


150,000 00 


Lincoln and Kennebeck, 


Wiscasset, . 




23, " ' 


100,000 00 


Saco, .... 


Pepperelborough, 


Mar. 


8, 1803, 


100,000 00 


Hallowell and Augusta, . 


Hallowell, . 




6, 1804, 


200,000 00 


Penobscot, 


Buckstown,f 




14, 1806, 


150,000 00 


Bath, .... 


Bath, 


June 


23, 1812, 


100,000 00 


Cumberland, . 


Portland, . 




23, " 


300,000 00 


Wiscasset, 


Wiscasset, . 




23, « 


250,000 00 


Kennebeck, . 


Augusta,! . 




23, " 


100,000 00 


Saco, .... 


Saco, . 




23, " 


120,000 00 


Kennebunk, . • . 


Arundel, . 




16, 1813, 


120,000 00 


Lincoln, 


Bath, . 




16, " 


100,000 00 


Augusta, 


Augusta, . 


Jan. 


21,1814, 


100,000 00 


Gardiner, 


Gardiner, . 




31, " 


100,000 00 


Waterville, . 


Waterville, 


Feb. 


12, " 


100,000 00 


Bangor, . . 


Bangor, 




26, « 


100,000 00 


Commercial, . 


Portland, . 




10, 1816, 


100,000 00 


Castine, 


Castine, 




14, " 


100,000 00 


Bank of Portland, . 


Portland, . 




13, 1819, 


200,000 00 


Passamaquoddy, 


Eastport, . 


June 


19, " 


100,000 00 



* Ceased to exist by Act of Feb. 7, 1816. 

t Now Bucksport. 

% Authorized to remove to Ilallowell, Feb. 8, 1816. 



1866.] 



PUBLIC DOCUMENT— No. 8. 



71 



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1 


1 


1 


1 


■^L 


1 


1 


1 


1 


1 


1 


1 


1 


1 




jo uoi^indod 


O 

1— 1 
CO 












CO 
























OS 


os- 


OS 


T— 1 


t^ 


CO 


CO 


CO 


CO 





CO 


CO 


CM 


*o 


CO 


CO 




uo^jsodap 





os 


rH 


IO 


CM 


CO 


OS 








rH 


CM 


CO 


CO 


rH 


CM 







qOB9 01 8SBJ3AY 


. 


CO 


CO 


CO 


b- 


CM 


t^ 


CM 


CM 


O 


CO 


00 


OS 


Cl 


tH 


OS 






rH 


rH 


rH 


rH 


rH 


JO 


IO 


CO 


CO 


CO 


CO 


CO 


CO 


1^ 


r-- 


co 






tH 


rH 


tH 


tH 


tH 


T-t 


T—l 


tH 


rH 


1— 1 


1— 1 


rH 


tH 


rH 


T-l 


rH 






<§©= 






































•asBaaoui 






T-l|« 


i-h|M 




H* 


colt 


He* 


col** 


T-l|OT 




c*|co 


H°o 




H"* 


cohf 




1 


IO 


T— 1 


OS 


CI 


10 


co 


lO 


<M 




OS 


CO 




O 


T-l 


rH 




jo aSejuaoaaj 




tH 


tH 






T-l 




rH 






tH 


tH 




tH 












O 

















O 


O 


O 


0' 


O 


O 


O 





O 






1 


O 

















O 


O 


O 





O 


O 


O 





O 




MBaA* snoiAajd 




^ 


00 


CO 


^ 


CO 


VO 


CO 


O 


10 


CO 


CO 


O 


O 


10 


CO 








OS 





rH 


CO 


CO 


OS 


CM 


t^ 


OS 


OS 


rH 


rH 


CO 


CO 







jaAos^isodapjo 




10 


CM 


00 


os 


t- 


CO 


CO 


CM 





t^ 


OS 


CO 


CO 


CO 


T-l 








CO 


CO 


CO 


>^ 


CO 


T—l 


rH 


CO 


»o 


10 


tH 


l^ 


OS 


OS 


tH 




^un? nt asBajouj 




t—t 


10 


O 


CO 


CO 


T-t 


OS 


GO 


CO 


CM 


LO 


co 


OS 


CO 


rH 








10 


rH 


rH 




1^ 


CM 


GO 


T—l 




CO 


IO 


CO 





tH 


tH 








۩= 


















T—l 


tH 




tH 



















O 











O 


O 








O 





O 





O 















O 











O 


O 








O 





O 





O 






CO 





00" 


CO 


CO 


OS 


rH 


CI 


T—l 


1-^ 


10 


00 


CO 


co 


CO 


rH 




•s^isod 


!>■ 


^ 


r^ 


01 


OS 


10 


10 


CO 


IO 


rH 


rH 


00 


CO 


T—l 


rH 


>o 






t^ 


CO 


»o 


rH 


CO 


T—t 


10 


t-t 


rH 


LO 


CO 


Cl 


OS 


CO 


rH 


IO 




-ap jo ^unoray 


t^ 


T—t 


rH 


t— i 


OS 


CO 


OS 


rH 


O 


»0 


T—t 


CO 








O 


rH 






O 


CM 


h- 


CO 


CO 





tH 


rH 


O 


CO 


CO 


T—l 


CO 


CO 


r~ 


T—l 






rH 


OS 


CO 


^ 


CO 


CO 


GO 


h- 


OS 


os 


CM 


CO 


CO 


I— 


OS 


tH 






*H 




































CO 


CO 


•«* 


rH 


rH 


10 


10 


CO 


CO 


CO 


CO 


OS 





T—l 


rH 


Cl 






<5©= 
























tH 


tH 


rH 


tH 








•aST33JOU{ 








He* 


He* 






rH|CN 


C*|03 


He* 








He* 


H°3 


H<m 




1 


CM 


OS 


OS 


1— 1 


T— ( 


CM 


O 


CM 


T-l 


10 


N. 


GO 


CO 


CM 


CM 




jo aSe^uaaaaj 




T-l 








1—1 




tH 






rH 


r-i 












•jBaA" 




CO 


rH 


CO 


OS 


CO 


rH 


CO 


rH 


O 


CM 


OS 


IO 


OS 


Cl 


iff) 




snoiAoad jaAO 


1 


t^ 


\a 


t^ 


os 


CI 


CO 


10 


CO 


CO 


OO 


1^ 


T—l 


T—l 


CO 


CO 






OS 


10 


^ 


rH 


co 


h- 


OS 


T-l 


CO 


rH 


rH 


h- 


rH 


10 


1^ 




sjo;isocIap jo 




CM 


CM 


CM 




CO 




CO 


1—1 




CO 


CO 


r* 




rH 


t-H 




•ox ut aseajtoui 






































CO 


Cl 


CO 


rH' 


CO 


CO 





CO 


N- 


i^ 


OS 


CO 


CO 


Cl 


rH 


OS 




•siojisod 


10 


CO 


CO 


CO 


CO 


CO 


l> 


CI 


GO 


T—l 


OS 


1^ 


OS 


T—l 


OS 


Cl 






Cl 


01 


t^ 


IO 





CO 


rH 


rr 1 


IO 


CI 


co 


1— ( 


CO 


CO 


GO 







-ap jo aaquinvj 


"* 


^ 


OS 


CI 


co 


CO 




•N 


CI 


CO 


OS 


CO 


Cl 


CO 


OS 


T—l 






CI 


CM 


CM 


CO 


CO 


CO 


co 


rH 


rft 


rH 


rft 


10 


co 


CO 


CO 


b- 




•s>iubji JO '0& 


01 


b- 


CO 











T—l 


O 


1 


T—l 


r-l 


CO 


CO 


OS 


tH 


CO 






CI 


Cl 


CM 


CO 


CO 


CO 


CO 


CO 




CO 


CO 


CO 


CO 


CO 


rH 


rH 




pi 

< 


Ttl 


»o 


CO 


b. 


CO 


os 





T—t 


CI 


CO 


Hi 


»o 


CO 


1^ 


CO 


OS 




H 


CO 


CO 


CO 


CO 


CO 


co 


"-n 


rM 


rft 


rH 


H< 


-H 


rH 


-ft 


HI 


*H 




GO 


GO 


CO 


GO 


CO 


CO 


GO 


GO 


GO 


GO 


GO 


CO 


CO 


CO 


CO 


CO 






tH 


T-t 


T— ( 


?— 1 


T—t 


T— I 


tH 


1— 1 


t-l 


t—t 


rH 


tH 


T—t 


tH 


rH 


tH 





72 



BANK COMMISSIONERS' REPORT. [Jan. '66. 



<v 

.9 

o 
O 



o 



•<s> 



^ 
S 

pq 

n 
^ 



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CO 










cc 










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T.B}0}0}9su9dx9 






CM 

• 










Ol 

■ 










CM 

• 




Ol 

• 


CO 


jo aSBiuaojaj 






__A_ 










A 








_JA_. 








/""' 








" "V 


r 










^ 


t 






O 


o 


o 


© 


o 


© 


o 


o 


o 


o 


o 


o 


o 


O 


h- 


CO 




o 


o 


o 


o 


o 


o 


o 


o 


o 


o 


© 


o 


o 


O 


b- 


IO 


7U3UI03B 


1—1 


b- 


o 


1—1 


1-1 


b*. 


cs 


b- 


cs 


.— 1 


"# 


CO 


CO 


co 


OS 


CO 




oo 


o 


CO 


b- 


b- 


»o 


o 


OI 


CO 


IO 


CO 


CO 


CO 


i—i 


CO 


rH 


-UBlUJ0 8|U3(lX3 


CO 


b- 


CO 


o 


rH 


b- 


CO 


o 


CO 


cs 


OJ 


CO 


b- 


b- 


b- 


CO 




1—1 


co" 


CS 


cs 


CO 


b- 


cs 


Ol 


iO 


1^ 


OJ 


o 


lO 


o 


rH 


CO 




X* 


rH 


rH 


iO 


CO 


b- 


CO 


o 


o 


o 


1—1 


Ol 


CO 


rH 


CO 


O 




۩= 






























•Ol 




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* 










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oii.vvuoncindod 


CO 


1 


1 


1 


1 


CO 

1—1 


1 


1 


1 


1 


CO 
r-l 


1 


1 


1 


1 


CO 
Ol 


jo aSejuaoaoj 


































•uon^i 


CO 

b- 










CM 
1—1 




. 






CS 
IO 










cs 

Ol 


-tidodjo uosaad 


CO 


1 


1 


1 


1 


rH 


1 


1 


1 


1 


CO 


1 


1 


1 


1 


t^ 


U.0B9 01 sjisodod 


T— 1 










CM 










CO 










rH 




rH 










OS 










iO 










CS 




i— < 










CO 










CO 










Ol 


•Sl}9SmpBSStJft[ 


IO 


1 


1 


1 


1 


CO 


1 


1 


1 


1 


o 


1 


1 


1 


1 


CO 


jo uontJindoj 


rH 
cs 
cs 










CM 

CO 
1— ( 

1—1 


■ 








OJ 

CO 

Ol 

i—i 










b- 

co 

1—1 




b- 


CO 


r-l 


10 


CO 


o 


IO 


CO 


b- 


CO 


CO 


cs 


o 


Ol 


Ol 


Ol 


uoiisodap 


o 


b- 


© 


o 


CO 


1—1 


1—1 


1—1 


co 


cs 


CO 


o 


*o 


CS 


IO 


CD 


l[0V0 01 3SBJ3AV 


rH 


cs 


OS 


OS 


OS 


T* 


•^ 


CO 


IO 


1—1 


io 


CO 


Ol 


CO 


rH 


iO 




b- 


b- 


CO 


OS 


CO 


CO 


CO 


CO 


CO 


cs 


cs 


cs 


o 

Ol 


o 

Ol 


y—{ 
Ol 


o 

Ol 




۩= 


































•9SB9J0UI 


co 


rH 


CM 


b- 


1— 1 


"^1 


o 


CO 


<N|eo 
CM 


CO 






— to* 
Ol 


Ol 


o 


too 

H* 5 


jo oSbjuoojoj 


iH 


1—1 


r-l 


CM 


1—1 




1-4 






rH 


r-i 




rH 


tH 


r-l 


rH 


























05>? 








von, 




O 


o 


o 


o 


o 


o 


o 


o 


O 


O 


O 


o 


o 


© 


»o 


CO 




O 


o 


o 


o 


o 


o 


o 


o 


o 


o 


O 


o 


o 


o 


b- 


b- 


unaA" gnoiAaad 


i—( 


lO 


OS 


rH 


CO 


cs 


1—1 


o 


iO 


b- 


b- 


b- 


>o 


rH 


lO 


rH 




b- 


CO 


1—1 


cs 


IO 


IO 


CO 


1— 1 


1—1 


"* 


y— ( 


cs 


CO 


iO 


r^ 


CM 


JOAOSJTSOdopjO 


rH 


o 


CM 


b- 


b- 


CO 


Ol 


CO 


OJ 


CO 


CO 


b- 


Ol 


i— i 


b^. 


i— 1 




CO 


rH 


h- 


00 


CO 


b- 


r^. 


OJ 


cs 


cs 


cs 


00 


CO 


O 


CO 


rH 


t.TOB UI SSBOJDUJ 


rH 


OS 


rH 


CO 


CO 


IO 


r^ 


"* 


cs 


o 


CM 


CO 


1— 1 


CO 


i— 


Ol 




•io 


CO 


CO 


OS 


o 


CM 


o 


co 


CO 


iO 


CO 


Ol 


CO 


rH 


CO 


CD 
























•*• 














1-^ 


1—1 


CM 


rH 


CM 


i— 1 


CO 


CM 




IO 


IO 




iO 


CO 


IO 


CM 




§©= 


































o 


o 


o 


o 


o 


O 


o 


o 


o 


o 


o 


o 


o 


O 


o 


Ol 




o 


o 


o 


o 


o 


O 


o 


o 


o 


o 


o 


o 


o 


o 


CO 


iO . 




rH 


CS 


CO 


CM 


CO 


b- 


b- 


b- 


CM 


cs 


CO 


cs 


rH 


CO 


rH 


Ol 


•sjtsod 


CM 


co 


o 


o 


iO 


r-{ 


■rH 


lO 


b- 


1— ( 


co 


CO 


b- 


Ol 


O 


CO 




O 


o 


CO 


1—1 


CO 


CM 


Tfl 


b- 


cs 


r^i 


Ol 


rH 


co 


CO 


CO 


rH 


-ap jo ^unoury 


o 


rH 


1—1 


o 


CO 


CO 


CO 


\o 


T* 


"* 


•* 


IO 


CO 


CO 


b- 


CD 




CO 


UO 


o 


t^ 


CO 


OS 


h- 


1—1 


1— 1 


CM 


iO 


CO 


o 


co 


»o 


CO 




CO 


UO 


rH 


CO 


cs 


CM 


CO 


o 


cs 


rti 


o 


r^ 


rH 


CO 


IO 


CS 
























W\ 














CO 


»o 


CO 


CO 


iO 


^ 


o 


CO 


CO 


CS 


IO 


rH 


O 


CO 


Ol 


CS 




i— 1 


1—1 


,_1 . 


CM 


CM 


CM 


CO 


CO 


CO 


CO 


-tfl 


rH 


iO 


»o 


CO 


IO 




۩= 


































'9SB0J0UI 




m;?3 


-Id 


i-h|c« 


i-i|OJ 


^A 


r-<|e» 






l-ll« 


T*\** 


von 


r-<|c* 


i-l|03 






O 


CS 


CM 


o 


CO 


CO 


i—( 


CO 


CO 


CM 


OJ 


1-Hi«0 


O 


cs 


b- 


1 


jo gSBiuaojgj 


i— 1 




1—1 


CM 


1—1 




i—l 






i—l 


1—1 


CM 


iH 
































Z//J 








■un 


UB9A" 


rH 


IO 


CO 


1—1 


o 


cs 


i— 1 


r-i 


o 


-rH 


cs 


O 


Ol 


cs 


t^ 


co 


StlOTA9jd J9A0 


CS 


r-l 


1—1 


IO 


IO 


o 


OJ 


cs 


CO 


iO 


iO 


i—l 


rH 


1—1 


OJ 


Ol 


T— 1 


b- 


CO 


o 


CM 


CO 


CM 


CO 


CM 


b- 


CD 


o 


00 


CO 


CO 


r-l 


sio^tsodep jo 


fc- 


b- 


o 


o 


cs 


1— 1 


b- 


1—1 


IO 


CM 


rH 


IO 


CO 


CO 


cs 




•OjNf UI 9SB9JDU[ 






1-1 


CM 


tH 


1—1 


tH 


1—1 




C4 


Ol 




Ol 


Ol 


iH 






CO 


b- 


CO 


rH 


rH 


CO 


•^1 


»o 


IO 


CS 


CO 


CO 


o 


cs 


CO 


CO 


•sao;tsod9p 


CM 


co 


IO 


o 


iO 


CO 


CO 


1^ 


iO 


o 


CO 


»o 


o 


iH 


r-i 


CO 




CO 


IO 


CO 


rH 


CO 


CM 


rH 


CO 


CO 


rti 


o 


o 


OS 


OJ 


CO 


rH 


-9p jo agqaitijjj; 


CO 


CO 


b- 


b- 


CO 


CO 


iO 


b- 


Ol 


IO 


o 


iO 


CO 


Ol 


iH 


i—l 




b- 


CO 


cs 


i—( 


CO 


r^ 


CO 


b- 


CO 


O 
OJ 


CO 
OJ 


Ol 
Ol 


rH 
CM 


b- 
Ol 


OS 
Ol 


CS 
CM 




IO 


IO 


CO 


o 


CO 


o 


1— 1 


co 


CO 


CO 


cs 


CO 


CO 


iO 


b- 


Ol 


8S[UBa JO 'OR 


rH 


rH 


10 


CO 


b- 


CO 


co 


CO 


CO 


CO 


CO 


cs 


OS 


cs 


CS 


o 

rH 


f4 

< 


O 


T— 1 


CM 


CO 


rH 


o 


CO 


b- 


CO 


cs 


o 


1—1 


Ol 


CO 


rH 


IO 


* 


iO 


iO 


o 


IO 


>o 


iO 


LO 


iO 


IO 


IO 


CO 


CO 


CO 


co 


CO 


co 


CO 


CO 


CO 


CO 


CO 


CO 


CO 


CO 


CO 


CO 


CO 


CO 


CO 


CO 


CO 


CO 




r-l 


rH 


r-i 


1—1 


rH 


tH 


1—1 


r-i 


1-1 


rH 


T-l 


r-l 


r-i 


r-i 


rH 


rH 



PUBLIC DOCUMENT. 



.No. 8. 



ANNUAL REPORT 



OF THE 



ammxmmt of siaimtgs ®anb, 



INCLUDING THE 



ABSTRACTS OF RETURNS 



FROM THE 



SAYINGS INSTITUTIONS 



IN 



MASSACHUSETTS. 



18 6 6. 



BOSTON: 

WRIGHT & POTTER, STATE PRINTERS, 
No. 4 Spring Lane. 

18G7. 



ANNUAL REPORT 



OF THE 



COMMISSIONER OF SAVINGS BANKS. 



To Hon. Oliver Warner, Secretary of the Commonwealth. 

The Commissioner of Savings Banks, appointed by authority 
of the Act of April 30, 1866, in compliance with its provis- 
ions, has the honor to submit the following as his First Annual 
Report. 

The number of savings banks in operation in this Common- 
wealth at the date of this Report is one hundred and three. 
Of this number, fifty-one have been examined by the Commis- 
sioner since the duties of the office were assumed, July 1. 

Examinations have thus far been confined to the institutions 
named in the following list : — 



Savings Institutions Examined in 1866. 



NAME. 


Place. 


Date of 
Examination. 


Abington Savings Bank, 


• • • 


Abington, . 


Aug. 


25. 


Andover Savings Bank, 


• ♦ • 


Andover, . 


Dec. 


1. 


Bristol County Savings Bank, 


• • • 


Taunton, . 


Aug. 


20. 


Cape Cod Five Cents Savings B 


ank, . 


Harwich, . 


July 


27. 


Cape Ann Savings Bank, 


• • • 


Gloucester, 


Oct. 


4. 


Cambridgeport Savings Bank, 


• • • 


Cambridge, 


Nov. 


23. 


Charlestown Five Cents Savings 


Bank, 


Charlestown, 


Sept. 


21. 


Chelsea Savings Bank, . 


• • • 


Chelsea, 


Sept. 


20. 


Citizens' Savings Bank, 


• • • 


Fall River, 


Aug. 


23. 


Cohasset Savings Bank, 


• • ■ 


Cohasset, . 


Aug. 


18. 


Danvers Savings Bank, 


• • • 


Danvers, . . . 


Dec. 


14. 


Dorchester Savings Bank, . 


« • • 


Dorchester, 


Aug. 


6. 


East Cambridge Five Cents Savings Bank, . 


Cambridge, 


Sept. 


18. 



BANK COMMISSIONER'S REPORT. 



[Jan. 



Savings Institutions Examined — Continued. 



NAME 




port 



in 



Essex Savings Bank, . 
Fairhaven Institution for Savings, 
Fall River Savings Bank, 
Fall River Five Cents Savings Bank, 
Framingham Savings Bank, . 
Haverhill Savings Bank, 
Hingham Institution for Savings, . 
Institution for Savings in Newburv 

its Vicinity, .... 
Institution for Savings in the town of 

stabh 1 , ..... 
Lvnn Institution for Savings, 
Lynn Five Cents Savings Bank, . 
Maiden Savings Bank, . 
Nantucket Institution for Savings, 
New Bedford Institution for Savings, 
New Bedford Five Cents Savings Bank 
Natick Five Cents Savings Bank, . 
Newburyport Five Cents Savings Bank 
North Bridgewater Savings Bank, 
Provident Institution for Savings 

Towns of Salisbury and Amesbury, 
Plvmouth Savings Bank, 
Plymouth Five Cents Savings Bank, 
Quincy Savings Bank, . 
Randolph S:\vings Bank, 
Rockport Savings Bank, 
Salem Savings Bank, . 
Salem Five Cents Savings Bank, . 
Sandwich Savings Bank, 
Savings Institution in the Town of 

bridge, ..... 
Scituate Savings Bank, 
Seamen's Savings Bank, 
South Scituate Savings Bank, 
Waltham Savings Bank, 
Wareham Savings. Bank, . . 
Warren Institution for Savings, . 
Warren Five Cents Savings Bank, 
Wellfleet Savings Bank, 
Weymouth and Braintree Institution 

Savings, ..... 
Woburn Five Cents Savings Bank, 



and 
Barn- 



the 



Cam- 



for 



Date of 
Examination. 



Lawrence, . 
Fairhaven, . 
Fall River, 
Fall River, 
Framingham, 
Haverhill, . 
Hingham, . 

Newburyport, 

Barnstable, 

Lynn, 

Lynn, 

Maiden, 

Nantucket, 

New Bedford, . 

New Bedford, . 

Natick, 

Newburyport. 

N. Bridgewater, . 

Salisbury, . 
Plvmouth, . 
Plymouth, . 
Quincy, 
Randolph, . 
Rockport, . 
Salem, 
Salem, 
Sandwich, . 

Cambridge, 
Scituate, 
Provincetown, . 
South Scituate, . 
Waltham, . 
Wareham, . 
Charlestown, 
South Danvers, . 
Wellfleet, . 

Weymouth, 
Woburn, . 



Nov. 21. 

Aug. 

Aug. 

Aug. 

Dec. 

Dec. 



Aug. 



July 

Nov. 

Nov. 

Nov. 

July 

Aug. 

Aug. 

Dec. 

Oct. 

Aug. 



Oct. 
Oct. 



22. 
23. 
23. 

19. 
1. 
15. 



Oct. 12. 



28. 
19. 
19. 
26. 
30. 
21. 
22. 
19.' 
12. 
1. 



Oct. 11. 

Aug. 27. 
Aug. 27. 
Aug. 
Aug. 
Oct. 



3. 
o 

— ■* 

5. 
6. 
6. 



July 30. 

Nov. 23. 

Aug. 14. 

July 25. 

Aug. 14. 

Dec. 8. 

July 31. 

Sept. 19. 

Dec. 14. 

July 26. 

Aug. 13. 

Nov. 28. 



The general condition of the above named institutions, at 
the time of examination, will appear in the following Abstracts : 



1867.] 



PUBLIC DOCUMENT— No. 8. 



ABINGTON SAVINGS BANK— ABINGTON. 

[August 25.] 
Jenkins Lane, President. Treasurer, J. N. Farrar. 



Deposits, . . . . 


$227,347 43 




Profits, . . 


21,121 90 




Public Funds, . . .... 




$88,350 00 


Bank Stock, 




27,300 00 


Loans on public Funds, .... 




1,800 00 


on Bank Stock, •. 




1,040 00 


on Real Estate, .... 




113,854 39 


i on Personal Security, 




8,686 43 


to Counties, Cities and Towns, 




3,023 75 


Expense account, ..... 


\ 


1,958 11 


Cash on hand, 




2,456 65 




$248,469 33 


$248,469 33 



Number of Depositors, . . 

Rate of ordinary dividends for the last year, . 

Amount of ordinary dividends for the last year, 

Average annual rate of dividends, . 

Last dividend of reserved profits, in July, 1863, 

Extra dividends are made once in 

Largest amount invested in the stock of any one bank, 

Average annual expenses, .... 



1,301 
5 per cent. 
$10,086 73 
6£ per cent. 

$4,410 79 
Five } r ears. 
$7,100 00 
550 00 



ANDOVER SAVINGS BANK- 

[December 1.] 
Nathaniel Swift, President. 



-ANDOVER. 



Treasurer, John Flint. 



Deposits, .... 


• • • 


$405,097 22 




Profits, .... 


• • i 


14,784 34 




Public Funds, . . 


• • • 




$194,500 00 


Bank Stock, 


• • • 




70,500 00 


Loans on Public Funds, 


• • • 


, 


500 00 


on Real Estate, 


• « • 




106,883 40 


on Personal Security, 


• • • 




13,400 00 


to Counties, Cities and Towns, 




29,000 00 


to Banks, on interest, 


• • * • 


• 


2,529 90 


Cash on hand, . 


• • • 




2,568 26 




$419,881 56 


$419,881 56 



Number of Depositors, 

Rate of ordinary dividends for the last year, . 
Amount of ordinary dividends for the last year, . 
Average annual rate of dividends for last five years, 
Last dividend of reserved profits, in December, 1865, 
Extra dividends are made once in . 
Largest amount invested in the stock of any one bank, 
Average annual expenses, 



1,647 
4 per cr>nt. 

$13,599 80 
8 per cent. 

$54,803 72 
Five years. 
$15,000 00 
900 00 



BANK COMMISSIONER'S REPORT. 



[Jan. 



Joseph TYilbor. President. 



BRISTOL COUNTY SAYINGS BANK— TAUNTON. 

[August 20.] 

Treasurer, George B. Atwood. 



Deposits, ....... 


§893,843 96 




Profits, ....... 


21,841 81 




Suspense Account, ..... 


4,955 85 




Public Funds, 




$314,573 47 


Bank Stock, ...... 




• 45,114 00 


Real Estate, 




11,123 85 


Loans on Public Funds, .... 




2,200 00 


on Real Estate, .... 




345,399 77 


on Personal Security, 




141,073 46 


to Counties, Cities and Towns, 




45,000 00 


Expense Account, 




1,158 50 


Cash on hand, ...... 




14,998 57 




$920,641 62 


$920,641 62 



Number of Depositors, 

Rate of ordinary dividends for the last year, . 
Amount of ordinary dividends for the last year, 
Average annual rate of dividends, .... 

Dividends of all profits made, 

Largest amount invested in the stock of any one bank, 
Average annual expenses, 



4,405 
6 per cent. 

$44,711 31 
6 per cent. 
Annually. 
$14,477 00 
4,400 00 



CAPE COD FIYE CENTS SAYINGS BANK— HARWICH. 

[July 27.] 
Nathaniel Snow, President. Treasurer, Obed Brooks. 



Deposits, ....... 


$160,246 53 




Profits, ....... 


4,485 56 




Public Funds, 




$42,200 00 


Bank Stock, 




15,555 75 


Loans on Real Estate, .... 




36,558 15 


on Personal Security, 


# 


46,307 38 


to Counties, Cities and Towns, 




20,800 00 


Dividend paid, 




551 18 


Cash on hand, ...... 




2,759 63 




$164,732 09 


$164,732 09 



Number of Depositors, 1,318 

Rate of ordinary dividends for the last year, 7 per cent. 

Amount of ordinary dividends for the last year, $7,890 39 

Average annual rate of dividends for the last five years, ... 6 per cent. 

Last dividend of reserved profits, in 1861, $701 09 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, .... $13,60000 

Average annual expenses, 600 00 



1867.] 



public document—no. 8. 



CAPE ANN SAVINGS BANK— GLOUCESTER. 

[October 4.] 
John W. Lowe, President. Treasurer, Alfred Pressor. 



Deposits, ....... 


$332,078 13 


- 


Profits, ....... 


7,825 


66 




Public Funds, ...... 






$130,000 00 


Bank Stock, ...... 






83,745 66 


Loans on Real Estate, .... 






48,650 00 


on Personal Security, 






700 00 


to Counties, Cities and Towns, 






69,500 00 


Cash on hand, 






7,308 13 


t 


$339,903 


79 


$339,903 79 



Number of Depositors, 1,570 

Rate of ordinary dividends for the last year, 5 per cent. 

Amount of ordinary dividends for the last year, $13,872 40 

Average annual rate of dividends, 7£ per cent. 

Last dividend of reserved profits, in April, 1866, $18,952 65 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . 810,698 50 

Average annual expenses, 1,250 00 



CAMBRIDGEPORT SAYINGS BANK— CAMBRIDGE. 

[November 23.] 



Benjamin Tilton, President. 



Treasurer, Lucius R. Page. 



Deposits, . 


• • • • 


§205,215 


05 




Profits, 


• • • • 


28,647 


65 




Public Funds, . 


• • • • 






$95,408 41 


Bank Stock, 


• • • • 






17,095 33 


Loans on Bank Stock, 


• • • • 


• 




300 00 


on Real Estate, 


• • • • 






85,100 00 


to Counties, Cities 


and Towns, 






12,192 00 


to Banks, on interest, 






15,000 00 


Expense Account, from October, 1863, . 






8.309 94 


Cash on hand, . 


• • • • 






457 02 




$233,862 


70 


$233,862 70 



Number of Depositors, 

Rate of ordinary dividends for the last year, . 
Amount of ordinary dividends for the last year, 
Average annual rate of dividends for last five years, 
Last dividend of reserved profits, in October, 1863, . 
Extra dividends are made once in . 
Largest amount invested in the stock of any one bank, 
Average annual expenses, 



1,152 
4 per cent. 

$6,470 30 
8 per cent. 

$12,646 73 
Five years. 
65,000 00 
810 00 



8 



BANK COMMISSIONER'S REPORT. 



[Jan. 



CHARLESTOWN FIVE CENTS SAVINGS BANK— CHARLESTOWN. 

[September 21.] 
Phtneas J. Stone, President. Treasurer, Amos Stone. 



Deposits, .... 

Profits, .... 

Public Funds, . 

Bank Stock, 

Loans on Public Funds, . 
on Real Estate, 
on Personal Security, 

Cash on hand, . 



$467,290 79 
14,744 36 



$482,035 15 



5152,550 00 

83,757 50 

3,000 00 

189,457 63 
29,200 00 
24,070 02 



$48?,035 15 



Number of Depositors, 

Rate of ordinary dividends for the last year, . 

Amount of ordinary dividends for the last year, 

Average annual rate of dividends, . 

Last dividend of reserved profits, in April, 18G5, 

Extra dividends are made once in . 

Largest amount invested in the stock of any one bank, 

Average annual expenses, 



3,097 
5 per cent. 

$17,770 89 

8 per cent. 

$18,157 62 

Three years. 

$10,820 00 

500 00 



CHELSEA SAVINGS BANK— CHELSEA. 

[September 20.] 
John II. Osgood, President. Treasurer, Samuel, Bassett. 



Deposits, ....... 


$226,181 00 




Profits, ....... 


9,814 88 




Public Funds, 




$43,400 00 


Bank Stock, ...... 




26,504 60 


Loans on Real Estate, 




101,435 00 


on Personal Security, . 




1,000 00 


to Counties, Cities and Towns, 




54,300 00 


Cash on hand, ...... 




9,356 28 




$235,995 88 


$235,995 88 



Number of Depositors, 2,078 

Rate of ordinary dividends for the past year, 5 per cent. 

Amount of ordinary dividends for the last year, $9,016 82 

Average annual rate of dividends, 7 per cent. 

Last dividend of reserved profits, in August, 1864, .... $6,466 22 

Extra dividends are made once in . . . ■ . . . . Five years. 

Largest amount invested in the stock of any one bank, .... $6,000 00 

Average annual expenses, 800 00 



1867.] 



public document—No. 8. 



9 



CITIZENS' SAVINGS BANK— FALL RIVER. 

[August 23.] 
Joseph Osborn, President. Treasurer, Edward E. Hathaway. 



Deposits, 


$827,017 48 




Profits, 


17,450 54 




Public Funds, 




$246,050 00 


Bank Stock, 




265,541 50 


Loans on Real Estate, . 




69,525 00 


on Personal Security, 




218,790 00 


to Counties, Cities and Towns, 




43,443 75 


Expense Account, . . . . . 




271 49 


Cash on hand, ...... 




. 846 28 




$844,468 02 


$844,468 02 



Number of Depositors, 1,679 

Rate of ordinary dividends for the last year, *l\ per cent. 

Amount of ordinary dividends for the last year, $53,250 10 

Average annual rate of dividends for the last five years, . . .6 1-5 per cent. 
Dividend of all profits made, . . . .- . . . . . Annually. 
Largest amount invested in the stock of any one bank, .... $80,000 00 

Average annual expenses, . . . . * . . . 2,300 00 



COHASSET SAVINGS BANK— COHASSET. 

[August 18.] 
Abraham H. Tower, President. Treasurer, Levi N. Bates. 



Deposits, 


$152,250 03 




Profits, . . . 


8,245 58 




Public Funds, ...... 




$72,000 00 


Bank Stock, . . .- . . . 




31,700 00 


Loans on Real Estate, .... 




35,100 00 


to Counties, Cities and Towns, 




20,000 00 


Cash on hand, 




1,704 61 




$160,504 61 


$160,504 61 



Number of Depositors, 671 

Rate of ordinary dividends for the last year, 5 per cent. 

Amount of ordinary dividends for the last year, $7,220 27 

Average annual rate of dividends, 6 per cent. 

Last dividend of reserved profits, in January, 1862, .... $1,529 60 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, .... $3,000 00 

Average annual expenses, 650 00 



10 



BANK COMMISSIONER'S REPORT. 



[Jan. 



DANVERS SAVINGS BANK— DANVERS. 

[December 14.] 
Rufus Putnam, President. Treasurer, William L. Weston. 



Deposits, . 

Profits, 

Public Funds, . 

Bank Stock, 

Loans on Bank Stock, 
on Real Estate, 
on Personal Securi 

Cash on hand, . 



y> 



$368,416 22 
5,903 82 



$374,320 04 



$210,200 00 

72,500 00 

2,385 00 

72,636 22 

10,978 89 

5,619 93 



$374,320 04 



Number of Depositors, 

Rate of ordinary dividends for the last year, . 
Amount of ordinary dividends for the last year, 
Average annual rate of dividends for last five years, 
Last dividend of reserved profits, in October, 18G5, 
Extra dividends are made once in . 
Largest amount invested in the stock of any one bank, 
Average annual expenses, . . 



1,801 . 
5£ per cent. 
$18,198 53 
6 6-10 per ct. 
$16,634 68 
Five years. 
$18,000 00 
800 00 



DORCHESTER SAYINGS BANK— DORCHESTER. 

[August 6.] 
Daniel Denny, President. Treasurer, Edward Pierce. 



Deposits, *. . 


$168,852 53 




Profits, 


8,647 24 




Interest, 


186 50 




Public Funds, 




$64,736 00 


Bank Stock, 




26,400 00 


Loans on Real Estate, .... 




52,800 00 


on Personal Security, 




13,900 00 


to Counties, Cities and Towns, 




12,000 00 


Cash on hand, 




7,850 27 




$177,686 27 


$177,686 27 



Number of Depositors, 

Rate of ordinary dividends for the last year, . 

Amount of ordinary dividends for the last year, 

Average annual rate of dividends, . 

Last dividend of reserved profits, in May, 1863, 

Extra dividends are made once in . 

Largest amount invested in the stock of any one bank, 

Average annual expenses, ..... 



898 
5 per cent. 

$7,676 86 
5£ per cent. 

$3,356 19 
Five years. 
$4,000 00 
700 00 



1867.] 



PUBLIC DOCUMENT— No. 8. 



11 



EAST CAMBRIDGE FIVE CENTS SAVINGS BANK— CAMBRIDGE. 

[September 18.] 
Geoegk Stevens, President. Treasurer, John Savage, Jr. 



Deposits, . 

Profits, 

Public Funds, . 

Bank Stock, 

Loans on Real Estate, 

Expense Account, . 

Cash on hand, . 



$237,682 91 
12,973 93 



$250,656 84 



$93,030 50 

33,918 47 

114,125 00 

1,856 90 
7,725 97 



$250,656 84 



Number of Depositors, 

Rate of ordinary dividends for the last year, . 

Amount of ordinary dividends for the last year, 

Average annual rate of dividends, . 

Last dividend of reserved profits, in 1863, 

Extra dividends are made once in . 

Largest amount invested in the stock of any one bank, 

Average annual expenses, 



2,300 
4£ per cent. 

$6,787 47 
6£ per cent. 

$5,923 00 
Three years. 

$4,610 00 
450 00 



ESSEX SAVINGS BANK— LAWRENCE. 

[November 21.] 
George D. Cabot, President. Treasurer, James H. Eaton. 



Deposits, • ~. 

Profits, . 


$696,808 03 




81,988 64 




Interest, ....... 


4,882 15 




Public Funds, 




$395,500 00 


Bank Stock, ....... 




159,350 00 


Loans on Public Funds, .... 




6.200 00 


on Bank Stock, .... 




975 00 


on Real Estate, .... 




66,290 00 


on Personal Security, 




81,250 00 


to Counties, Cities and Towns, 




65,000 00 


Expense Account, 




166 66 


Cash on hand, 




8,947 16 




$783,678 82 


$783,678 82 



Number of Depositors, 

Rate of ordinary dividends for the last year, . 
Amount of ordinary dividends for the last year, 
Average annual rate of dividends for last five years, 
Last dividend of reserved profits, in October, 1862, 
Extra dividends are made once in . 
Largest amonnt invested in the stock of any one bank, 
Average annual expenses, 



3,565 
4 per cent. 
$21,321 68 
6 4-5 per cent. 
$33,799 50 
Five 3 T ears. 
$19,500 00 
1,455 00 



12 



BANK COMMISSIONER'S REPORT. 



[Jan. 



FAIRHAVEN INSTITUTION FOR SAVINGS— FAIRHAVEN. 

[August 22.] 
Isaac F. Terry, President. Treasurer, Charles Drew. 



Deposits, . 

Profits, 

Public Funds, 

Bank Stock, 

Real Estate, 

Loans on Bank Stock, 
Real Estate, . 
on Personal Security, 
to Counties, Cities and Towns, 

Cash on hand, ..... 



$219,913 37 
14,461 05 



$234,377 42 



Number of Depositors, 

Rate of ordinary dividends for the last year, . 
Amount of ordinary dividends for the last year, 

All profits divided 

Largest amount invested in the stock of any one bank, 
Average annual expenses, 



$98,100 00 

97,900 00 

4,000 00 

3,050 00 

5,131 32 

10,012 25 

14,000 00 

2,183 85 



5234,377 42 



719 
7£ per cent. 
$14,069 94 
Annually. 
$20,100 00 
1,000 00 



FALL RIVER SAVINGS BANK— FALL RIVER. 

[August 23.] 
John B. French, President. % Treasurer, J. F. Lindsey. 



Deposits, . 

Interest, . 

Public Funds, . 

Bank Stock, 

Loans on Real Estate, 

on Personal Security, 

to Counties, Cities and Towns, 

Cash on hand, ..... 



$2,174,148 45 
138,171 60 



$2,312,320 05 



$971,600 00 

587,600 00 

150,048 10 

543,078 00 

51,000 00 

8,993 95 



$2,312,320 05 



Number of Depositors, 6,317 

Rate of ordinary dividends for the last year, 7 per cent. 

Amount of ordinary dividends for the last year, $135,107 83 

Dividend of all profits made, Annually. 

Largest amount invested in the stock of any one bank, .... $75,600 00 

Average annual expenses, . 3,408 11 



1867.] 



PUBLIC DOCUMENT— No. 8. 



13 



FRAMINGHAM SAVINGS BANK— FRAMINGHAM. 

[December 19] 



Moses Edgell, President. 



Treasurer, C. S. Adams. 



Deposits, . . 


$357,993 67 




Profits, 


• • • 


11,135 32 




Public Funds, . 


• • • 




$100,000 00 


Bank Stock, 


i • • « 


• 


94,300 00 


Real Estate, 


• • a 




1,500 00 


Loans on Public Funds, 


► * « • 




27,850 00 


on Bank Stock, 


I • • • 




400 00 


on Real Estate, 


■ • • • 




95,446 00 


on Personal Security, 




4,489 26 


to Counties, Cities and Towns, 




16,525 00 


Expense Account, ..... 




1,180 95 


Cash on hand, 




27,437 78 






$369,128 99 


$369,128 99 



Number of Depositors, " 

Rate of ordinary dividends for the last year, . 
Amount of ordinary dividends for the last year, 
Average annual rate of dividends for last five years, 
Last dividend of reserved profits, in May, 1866, 
Extra dividends are made once in . 
Largest amount invested in the stock of any one bank, 
Average annual expenses, 



1,664 
5 per cent. 
$17,098 25 
7 3-10 per ct. 
$15,816 93 
Five years. 
$16,500 00 
1,000 00 



HAVERHILL SAVINGS ^ANK— HAVERHILL. 

[December 1.] 
John A. Appleton, President. Treasurer, A. B. Jaques. 



Deposits, ....... 


$1,088,512 47 




Profits, ....... 


44,111 74 




Public Funds, . . 




$350,600 00 


Bank Stock, ...... 




269,600 00 


Loans on Public Funds, .... 




3,000 00 


on Bank Stock, .... 




7,550 00 


on Real Estate, .... 




432,250 00 


on Personal Security, 




4,000 00 


to Counties, Cities and Towns, 




57,000 00 


Expense Account, . . . . 




529 40 


Cash on hand, 




8,094 81 




$1,132,624 21 


$1,132,624 21 



Number of Depositors, . ... 

Rate of ordinary dividends for the last year, . 

Amount of ordinary dividends for the last year, 

Average annual rate of dividends for last five years, 

Last dividend of reserved profits, in October, 1864, 

Extra dividends are made once in . 

Largest amount invested in the stock of any one bank, 

Average annual expenses, 



4,879 
5 per cent. 
$48,577 39 
6£ per cent. 

$50,045 35 
Five years. 
$26,700 00 
2,000 00 



14 



BANK COMMISSIONERS REPORT. 



[Jan. 



HINGHAM INSTITUTION FOR SAVINGS— HINGH AM. 
Atherton Tilden, President. [August 15.] Treasurer, Henry C. Harding. 



Deposits, ....... 


$780,657 31 




Profits, .... 


• • • 


20,6S4 49 




Suspense Account, . 


• • • 


1,356 65 




Public Funds, . 


> • • • 




$221,135 00 


Bank Stock, 


» • • • 




128,000 00 


Real Estate, 


i • ■' • 




6,111 03 


Loans on Public Funds, 


» • • • 




4,300 00 


on Bank Stock, 


t • • • 




3,900 00 


on Real Estate, 


» • • • 




396,310 00 


on Personal Security, 




6,000 00 


to Counties, Cities and Towns, 




35,500 00 


Expense Account, ..... 




928 35 


Cash on hand, 




514 07 






1802,698 45 


$802,698 45 



Number of Depositors, 2,855 

Rate of ordinary dividends for the last year, 5 per cent. 

Amount of ordinary dividends for the last year, $36,847 16 

Average annual rate of dividends, 6| per cent. 

Last dividend of reserved profits, in January, 1865, .... $29,696 41 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, .... $15,00000 

Average annual expenses, 1,600 00 



INSTITUTION FOR SAVINGS— NEWBURYPORT. 



Edward S. Moseley, President. 



[October 

~ » 



12.] 



Treasurer, Richard Stone. 



Deposits, . 

Profit and Loss, 

Interest, . 

Public Funds, . 

Bank Stock, 

Loans on Public Funds, 
on Bank Stock, 
on Real Estate, 
on Personal Security, 
to Counties, Cities and Towns 
to Fifty Associates, 
to Banks, on interest, 
to Corporations, 

Expense Account, . 

Annuity in Trust, . 

Cash on hand, . 



$1,908,012 97 
12,485 10 
62,925 16 



$1,983,423 23 



$502,810 13 

769,000 00 

8,400 00 

700 00 

301,196 43 

28,750 00 

272,074 00 

25,000 00 

63,544 92 

1,150 00 

2,067 69 

7,866 97 

863 09 



$1,983,423 23 



Number of Depositors, ..... 

Rate of ordinary dividends for the last year, . 

Amount of ordinary dividends for the last year, 

Average annual rate of dividends, . 

Last dividend of reserved profits, in April, 1865, 

Extra dividends are made once in . 

Largest amount invested in the stock of any one bank, 

Average annual expenses, 



. 6,909 
8 per cent. 

$131,554 94 
8 per cent. 

$102,045 39 
Five years. 
$50,800 00 
4,000 00 



1867.] 



PUBLIC DOCUMENT— No. 8. 



15 



INSTITUTION FOR SAVINGS IN THE TOWN OF BARNSTABLE— BARN- 
STABLE. 

[July 28.] 

Josiah Hinckley, President. Treasurer, John Munroe. 



Deposits, . 


$676,300 58 




Profits, 






7,816 21 




Balance of Div. No. 66, . 






23,121 07 




Public Funds, .... 








$175,500 00 


Bank Stock, 








154,706 56 


Real Estate, 








4,500 00 


Loans on Real Estate, 








255,421 00 


on Personal Security, 






. 


81,546 88 


to Counties, Cities and Towns, 




32,300 00 


Cash on hand, ...... 




3,263 42 








$707,237 86 


$707,237 86 



Number of Depositors, 2,594 

Rate of ordinary dividends for the last year, 7 per cent. 

Amount of ordinary dividends for the last year, $46,669 66 

Dividend of all profits made, Annually. 

Largest amount invested in the stock of any one bank, .... $14,900 00 

Average annual expenses, 1,500 00 



LYNN INSTITUTION FOR SAVINGS— LYNN. 



Joseph N. Sanderson, President. 



[November 19.] 



Treasurer, Amos Rhodes. 



Deposits, . 

Profits, 

Public Funds, . 

Bank Stock, 

Loans on Public Funds, 
on Bank Stock, 
on Real Estate, 
on Personal Security, 
to Counties, Cities and Towns 
to Banks, on interest, 

Expense Account, . 

Cash on hand, . 



$450,176 61 
25,460 94 



$475,637 55 



$107,000 00 

46,500 00 

4,100 00 

5,350 00 

150,641 00 

17,100 00 

131,200 00 

10,800 00 

1,057 62 

1,888 93 



$475,637 55 



Number of Depositors, 2,465 

Rate of ordinary dividends for the last year, 5 per cent. 

Amount of ordinary dividends for the last year, $18,921 60 

Average annual rate of dividends for last five years, .... 6 per cent. 

Last dividend of reserved profits, in October, 1864, .... $11,827 79 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, .... $10,000 00 

Average annual expenses, 1,290 00 



16 



BANK COMMISSIONER'S REPORT. 



[Jan. 



T. B. Newhall, President 



LYNN FIVE CENTS SAVINGS BANK— LYNN. 

[November 19.] 

Treasurer, B. V. French. 



Number of Depositors, 

Kate of ordinary dividends for the last year, . 
Amount of ordinary dividends for the last year, 
Average annual rate of dividends for last five years, 
Last dividend of reserved profits, in January, 18G5, 
Dividends of all profits are now made 
Largest amount invested in the stock of any one bank, 
Average annual expenses, 



Deposits, ....... 


$270,703 51 




Profits, ....... 


6,936 41 




Public Funds, ...... 




$88,465 00 


Bank Stock, ...... 




22,259 75 


Loans on Bank Stock, .... 




350 00 


on Real Estate, .... 




115,840 00 


on Personal Security, 


- 


5,711 84 


to Counties, Cities and Towns, 




27.000 00 


to Banks, on interest, 




17,615 23 


Expense Account, 




261 33 


Cash on hand, ...... 




136 77 




$277,639 92 


$277,639 92 



2,838 
6£ per cent. 

$12,137 46 

6§ per cent. 

$4,435 16 

Annually. 

$6,707 75 

900 00 



MALDEN SAVINGS BANK— MALDEN. 

[November 26.] 
Henry Barrett, President. Treasurer, Charles Merrill. 



Deposits, ....... 


$54,501 68 




Public Funds, ...... 




$16,500 00 


Bank Stock, ...... 




1,105 00 


Loans on Real Estate, .... 




25,740 00 


to Counties, Cities and Towns, 




6,900 00 


Expense Account, ..... 




303 62 


Cash on hand, . 




3,953 06 




$54,501 68 


$54,501 68 



Number of Depositors, 

Rate of ordinary dividends for the last 3 T ear, . 
Amount of ordinary dividends for the last year, 
Average annual rate of dividends for last five years, 
Last dividend of reserved profits, in June, 1865, 
Extra dividends are made once in . 
Largest amount invested in the stock of any one bank, 
Average annual expenses, 



707 
6 per cent. 
$2,427 67 
6£ per cent. 

$1,030 00 
Five years. 
$1,105 00 
200 00 



1867.] 



PUBLIC DOCUMENT— No. 8. 



IT 



NANTUCKET INSTITUTION" FOR SAVINGS— NANTUCKET. 

[July 30.] 
George Cobb, President. Treasurer, Matthew Barney. 



Deposits, 


1 $315,559 27 




Profits, . ■ . 






7,150 82 




Public Funds, . 








$43,550 00 


Bank Stock, ^ . 








104,056 00 


Real Estate, 








3,000 00 


Loans on Public Funds, . 








6,780 00 


on Bank Stock, 








800 00 


on Real Estate, 








130,508 20 


on Personal Security, 






21,971 00 


to Banks, on interest, 






1,512 44 


Suspended Debt, 






5,191 41 


Expense Account, . 






6 55 


Cash on hand, .... 

• 






5,334 00 








$322,710 09 


$322,710 09 



Number of Depositors, 1,217 

Rate of ordinary dividends for the last year, . . . . . . 6J per cent. 

Amount of ordinary dividends for the last year, $20,121 24 

Average annual rate of dividends for last three years, .... 6 per cent. 

Dividend of all profits made, Annually. 

Largest amount invested in the stock of any one bank, .... $17,800 00 

Average annual expenses, 1,125 00 



NEW BEDFORD INSTITUTION FOR SAVINGS— NEW BEDFORD. 

[August 21.] 
Thomas Mandell, President. Treasurer, William C. Coffin. 



Deposits, 


$3,521,298 88 




Profit and Loss, 




■ • • • 


80,591 36 




Surplus Fund, . 




i • • • 


95,444 65 




Public Funds, . 




t • • • 




$1,895,641 25 


Bank Stock, 




• • • • 




981,350 00 


Real Estate, 




» • • • 




6,035 25 


Railroad Bonds, 




i • • • 




9,300 00 


Loans on Public Funds, . 


► • # • 




17,720 00 


on Bank Stock, 


> • • • 




5,600 00 


on Personal Security, 




500,215 75 


to Counties, Cities and Towns, 




139,969 50 


to Banks, on interest, ... 




75,159 47 


on Railroad Stock, 




12,750 00 


Expense Account, 




954 22 


Cash on hand, 




52,639 45 








$3,697,334 89 


$3,697,334 89 



Number of Depositors, 11,024 

Rate of ordinary dividends for the last year, 7 per cent. 

Amount of ordinary dividends for the last year, $229,173 62 

Average annual rate of dividends for last five years, . . . 6 J per cent. 

Last dividend of reserved profits, in April, 1859, * $23,720 29 

Largest amount invested in the stock of any one bank, .... 100,000 00 

Average annual expenses, 6,500 00 



18 



BANK COMMISSIONER'S REPORT. 



[Jan. 



NEW BEDFORD FIVE CENTS SAVINGS BANK-NEW BEDFORD. 

[August 22.] 
George Howland, Jr., President. Treasurer, B. Ricketson, Jr. 



Number of Depositors, 

Rate of ordinary dividends for the last year, . 
Amount of ordinary dividends for the last year, 
Average annual rate of dividends for five years last, 

Dividend of all profits made, 

Largest amount invested in the stock of any one bank, 
Average annual expenses, 



Deposits, ....... 


$1,041,936 09 




Profits, 


23,960 62 




Interest, 


30,838 70 




Public Funds, 




$602,430 00 


Bank Stock, ...... 




31,000 00 


Loans on Public Funds, .... 




72,485 00 


on Bank Stock, .... 




1,800 00 


on Real Estate, .... 




134,929 45 


on Personal Security, . 




138,455 10 


to Counties, Cities and Towns, 




107,190 00 


on Railroad Stock, .... 




5,000 00 


Expense Account, 




1,077 50 


Cash on hand, ...... 




2,418 36 




$1,096,735 41 


$1,096,735 41 



6,529 
7 per cent. 

$58,903 67 
6 per cent. 
Annually. 
$10,000 00 
3,500 00 



NATICK FIVE CENTS SAVINGS BANK— NATICK. 

[December 19.] 
John Kimball, President. Treasurer, Nathaniel Clark. 



Deposits, 


$42,928 18 




Profits, 






3,042 40 




Suspense Account, . 






60 04 




Public Funds, .... 








$7,500 00 


Bank Stock, 








518 75 


Loans on Real Estate, 








23,580 00 


on Personal Security, 






. 


1,250 00 


to Counties, Cities and Towns, 




10,500 00 


Expense Account, ..... 




2,681 87 








$46,030 62 


$46,030 62 



Number of Depositors, 447 

Rate of ordinary dividends for the last y&ar, 4 per cent. 

Amount of ordinary dividends for the last year, $1,367 24 

Average annual rate of dividends, 4 per cent. 

Average annual expenses, $300 00 



1867.] 



public document—No. 8. 



19 



NEWBURYPORT FIVE CENTS SAVINGS BANK— NEWBURYPORT. 

[October 12.] 
David Wood, President. Treasurer, J. A. Maynard. 



Deposits, ....... 


. $267,212 87 




Profits, 


10,406 18 




Public Funds, . . 




$106,583 50 


Bank Stock, 




64,156 00 


Loans on Real Estate, .... 




57,674 00 


on Personal Security, 




9,585 00 


to Counties, Cities and Towns, 




21,400 00 


to Banks, on interest, 




12,290 34 


Railroad Bonds, . ... 




4,768 75 


Expense Account, 




623 36 


Cash on hand, 


- 


538 10 




$277,619 05 


$277,619 05 



Number of Depositors, 4,027 

Rate of ordinary dividends for the last year, . . ... . 8 per cent. 

Amount of ordinary dividends for the last year, . . . • . $16,693 44 

Dividend of all profits made, . Annually. 

Largest amount invested in the stock of any one bank, .... $8,425 00 

Average annual expenses, 1,000 00 



NORTH BRIDGEWATER SAVINGS BANK— NORTH BRIDGEWATER. 

[August 1.] 

Treasurer, E. Southworth, Jr. 



H. W. Robinson President. 



Deposits, 


$143,339 91 




Profits, 


134 94 




Public Funds, 




$46,400 00 


Bank Stock, 




34,228 50 


Loans on Real Estate, .... 




34,385 64 


on Personal Security, 




13,603 39 


to Counties, Cities and Towns, 




8,232 10 


Expense Account, 




434 00 


Cash on hand, 




6,191 22 




$143,474 85 


$143,474 85 



Number of Depositors, . 947 

Rate of ordinary dividends for the last year, 5 per cent. 

Amount of ordinary dividends for the last year, $6,610 25 

Dividend of all profits made, . . ' . Annually. 

Largest amount invested in the stock of any one bank, .... $8,700 00 

Average annual expenses, 430 00 



20 



BANK COMMISSIONER'S REPORT. 



[Jan. 



PROVIDENT INSTITUTION FOR SAVINGS IN THE TOWNS OF .SALISBURY 

AND AMESBURY— AMESBURY. 
[October 11.] 



William C. Binney, President. 



Treasurer, T. J. Clark. 



Deposits, ....... 


$532,487 56 


• 


Profits, 


6,210 16 




Interest, ....... 


16,173 84 




Public Funds, ....... 




$199,000 00 


Bank Stock, 




108,025 00 


Real Estate, 




2,500 00 


Loans on Real Estate, . 




48,300 00 


on Personal Security, 




70,300 00 


to Counties, Cities and Towns, 




114,000 00 


to Banks, on interest, 




8,000 00 


Expense Account, 




357 57 


Cash on hand, . . ... 




4.388 99 




$554,871 56 


$554,871 56 



Number of Depositors, 2,407 

Rate of ordinary dividends for the last year, 7 per cent. 

Amount of ordinary dividends for the last year, $31,387 44 

Average annual rate of dividends for the last three years, . . .71-3 per cent. 

Last dividend of reserved profits, in October, 1865, .... $13,569 82 

Extra dividends are made once in ' Five years. 

Largest amount invested in the stock of any one bank, .... $5,700 00 

Average annual expenses, 785 00 



PLYMOUTH SAVINGS BANK— PLYMOUTH. 

[August 27.] 
Nathaniel Russell, President. Treasurer, Allen Danforth. 



Deposits, . 

Profits, 

Suspense Account, 

Public Funds, . 

Bank Stock, 

Real Estate, 

Loans on Public Funds, 
on Bank Stock, 
on Real Estate, 
on Personal Security, 
on Railroad Stock, 
to Counties, Cities and Towns 
to Banks, on interest, 

Expense Account, . 

Cash on hand, . 



$1,097,384 16 

55,972 16 

855 41 



$1,154,211 73 



$462,560 00 

359,815 00 

10,320 69 

6,050 00 

1,500 00 

216,778 00 

34,891 14 

900 00 

46,478 45 

7,955 21 

781 26 

6,181 98 



$1,154,211 73 



Number of Depositors, 5,080 

Rate of ordinary dividends for the last year, . . . . . . 5£ per cent. 

Amount of ordinal dividends for the last year, $56,008 25 

Average annual rate of dividends, 6 per cent. 

Last dividend of reserved profits for two and a half years, in July, 1866, $18,171 47 

Largest amount invested in the stock of any one bank, .... $22,500 00 

Average annual expenses, . • 3,500 00 



1867.] 



PUBLIC DOCUMENT— No. 8. 



21 



PLYMOUTH FIVE CENTS SAVINGS BANK— PLYMOUTH. 

[August 27.] 
Robert B. Hall, President. Treasurer, Daniel J. Robbins. 



Deposits, ....... 


$96,076 68 




Profits, 




1,446 04 




Public Funds, .... 






$60,075 00 


Bank Stock, 






12,800 00 


Loans on Public Funds, . 






1,790 00 


Loans on Bank Stock, 






960 00 


on Real Estate, 






16,343 58 


on Personal Security, 






2,523 00 


on Railroad Stock, 






250 00 


Expense Account, . 






92 23 


Cash on hand, .... 






2,688 91 






197,522 72 


$97,522 72 



Number of Depositors, . . . . 968 

Rate of ordinary dividends for the last year, . . . . . 5 \ per cent. 

Amount of ordinary dividends for the last year, . . . . . $4,394 45 

Average annual rate of dividends for last ten years, .... 5 per cent. 

Last dividend of reserved profits for ten years, in July, 1865, . . $2,840 89 

Largest amount invested in the stock of any one bank, .... 2,000 00 

Average annual expenses, . . 750 00 



QUINCY SAVINGS BANK— QUINCY. 

[August 3.] 
Josiah Brigham, President. Treasurer, John C. Randall. 



Deposits, 


$355,622 64 




Profits, 


6,584 40 




Public Funds, . 




$163,000 00 


Bank Stock, 




51,734 86 


Loans on Bank Stock, .... 




950 00 


on Real Estate, .... 




123,720 00 


on Personal Security, 




6,500 00 


to Counties, Cities and Towns, 




4,000 00 


Expense Account, ..... 


* 


298 30 


Cash on hand, ...... 




12,003 88 




$362,207 04 


$362,207 04 



Number of Depositors, 

Rate of ordinary dividends for the last year, . 

Amount of ordinary dividends'for the last year, 

Average annual rate of dividends^ . 

Last dividend of reserved profits, in April, 1865, 

Extra dividends are made once in . 

Largest amount invested in the stock of any one bank, 

Average annual expenses, 



1,753 
5 per cent. 

$16,870 71 
7 per cent. 

$15,022 22 
Five years. 
$10,000 00 
750 00 



22 



BANK COMMISSIONER'S REPORT. 



[Jan. 



RANDOLPH SAYINGS BANK— RANDOLPH. 

[August 1.] 
Atherton "Wales, President. Treasurer, Seth Turner. 



Deposits, 


$98,751 39 




Profits, ....... 


2,597 59 




Public Funds, ...... 




$49,000 00 


Bank Stock, ...... 




11,600 00 


Loans on Real Estate, .... 




9,900 00 


on Personal Security, 




4,400 00 


to Counties, Cities and Towns, 




24,850 00 


Expense Account, 




2 50 


Cash on hand, 




1,596 48 




$101,348 98 


$101,348 98 



Number of Depositors, 630 

Rate of ordinary dividends for the last 3'ear, 5 per cent. 

Amount of ordinary dividends for the last year, 34,042 72 

Last dividend of reserved profits, in April, 1866, 4,824 00 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, .... 33,000 00 

Average annual expenses, 400 00 



ROCKPORT SAYINGS BANK— ROCKPORT. 

[October 5.] 
George D. Hale, President. Treasurer, Newell Giles. 



Deposits, . 

Profits, 

Public Funds, . 

Bank Stock, 

Loans on Bank Stock, 
on Real Estate, 
on Personal Security, 

Cash on hand, . 




$21,700 00 

25,450 00 

1,310 00 

23,648 26 

4,625 00 

2,003 85 

$78,737 11 



Number of Depositors, 

Rate of ordinary dividends for the last year, . 
Amount of ordinary dividends for the last year, 
Last dividend of reserved profits, in July, 1858, 
Largest amount invested in the stock of any one bank, 
Average annual expenses, 



584 
5 per cent. 

$2,813 16 

$3,700 00 
300 00 



1867.] 



PUBLIC DOCUMENT— No. 8. 



23 



SALEM SAVINGS BANK— SALEM. 

[October 6.] 
Joseph S. Cabot, President. i Treasurer, Charles E. Symonds. 



Deposits, 


$2,541,014 19 




Profits, 


242,998 00 




Public Funds, 




$1,269,389 37 


Bank Stock, ...... 




270,817 80 


Loans on Public Funds, .... 


- 


7,000 00 


on Bank Stock, .... 




17,500 00 


on Real Estate, .... 




307,603 47 


on Personal Security, 




78,650 00 


to Counties, Cities and Towns, 




743,200 48 


to Banks, on interest, 




63,259 32 


on Railroad Stock, 




24,125 00 


Cash on hand, . . . . . 




2,466 97 




$2,784,012 41 


• $2,784,012 41 



Number of Depositors, 11,250 

Eate of ordinary dividends for the last year, . . . . .5 per cent. 

Amount of ordinary dividends for the last year, $116,240 75 

Average annual rate of dividends for five years past, . . . . 6J per cent. 

Last dividend of reserved profits, in 1863, $121,301 37 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, . . . . $60,000 00 

Average annual expenses, 6,000 00 



SALEM FIVE CENTS SAVINGS BANK— SALEM. 

[October 6.] 



Henry L. Williams, President. 



Treasurer, J. Vincent Brown. 



Deposits, ....... 


•$418,122 11 




Profits, .... 








13,493 32 




Public Funds, . 










$240,412 72 


Bank Stock, 










33,149 00 


Loans on Public Funds, 










1,500 00 


on Bank Stock, 










4,000 00 


on Real Estate, 










84,292 33 


on Personal Security, 








19,225 00 


to Counties, Cities and Towns, 




41,175 00 


Cash on hand, 




7,861 38 










$431,615 43 


$431,615 43 



Number of Depositors, 

Rate of ordinary dividends for the last year, . 

Amount of ordinary dividends for the last year, 

Average annual rate of dividends, 

Last dividend of reserved profits, in July, 1865, 

Extra dividends are made once in . 

Largest amount invested in the stock of any one bank, 

Average annual expenses, 



3,000 
6 per cent. 

$21,081 73 
6 per cent. 

$10,G90 73 
Five years. 
$9,105 50 
2,100 00 



24 



BANK COMMISSIONER'S REPORT. 



[Jan. 



SANDWICH SAVINGS BANK-SANDWICH. 
[July 30.] 



William E. Boyden, President. 



Treasurer, Charles B. Hall. 



Deposits, . . 

Profits, 

Public Funds, . 

Loans on Real Estate, 

on Personal Security,' 
Cash On hand, . 



$13,126 67 
365 15 



$13,491 82 



$5,800 00 
1,770 00 
2,900 00 
3,021 82 



$13,491 82 



Number of Depositors, 

Bate of ordinary dividends for the last six months, 
Commenced business January, 18G6, 



183 
. 3£ per cent. 



SAYINGS INSTITUTION IN THE TOWN OF CAMBRIDGE— CAMBRIDGE. 

[November 23.] 
Stephen T. Farwell, President. Treasurer, William L. Whitney. 



Deposits, . 

Public Funds, . 

Bank Stock, 

Loans on Bank Stock, 
on Real Estate, 
on Personal Security, 

Cash on hand, . 



$543,599 07 



$543,599 07 



^129,761 71 

2,526 00 

2,000 00 

386,715 00 

21,700 00 

896 36 



$543,599 07 



Number of Depositors, 

Rate of ordinary dividends for the last year, . 
Amount of ordinary dividends for the last year, 
Average annual rate of dividends for last five years, 
Last dividend of reserved profits, in January, 1865, 
Extra dividends are made once in . 
Largest amount invested in the stock of any one bank, 
Average annual expenses, 



2,288 
5 per cent. 
823,717 96 
7£ per cent. 

$14,967 33 
Five 3 7 ears. 
$2,526 00 
1,275 00 



1867.] 



PUBLIC DOCUMENT— No. 8. 



25 



SCITUATE SAYINGS BANK— SCITUATE 

[August 14.] 
E. Jenkins, President. 



Treasurer, C. "W. Prouty. 



Deposits, .... 


• • • 


$54,216 36 




Profits, .... 


• 


6,103 68 




Public Funds, . 


• • • 




16,600 00 


Bank Stock, 


• • • 




12,800 00 


Loans on Peal Estate, 


* • • 




80,400 00 


on Personal Security, 


• • • 




700 00 


to Counties, Cities and Towns, 


* 


8,870 26 


Expense account, 


• • • 




664 37 


Cash on hand, . 


• • • 




285 41 


r 


$60,320 04 


$60,320 04 



Number of Depositors, . . 
Eate of ordinary dividends for the last year, . 
Amount of ordinary dividends for the last year, . 
Last dividend of reserved profits, in March, 1857, . 
Largest amount invested in the stock of any one bank, 
Average annual expenses, 



249 
5 per cent. 
$2,690 36 
984 65 
5,000 00 
Nominal. 



Da yxd Fairbanks, President 



SEAMEN'S SAVINGS BANK— PRO VINCETOWN. 

[July 25.] 

Treasurer, Enos Nickerson. 



Deposits, 


$316,458 17 




Interest Account, 


474 19 




Dividend Account, 


5,372 66 




Public Funds, . . . 




$111,533 00 


Bank Stock, 




30,398 05 


Loans on Real Estate, . 




64,806 00 


on Personal Security, 




75,871 86 


to Counties, Cities and Towns, 




31,186 40 


Deposited in Bank, ..... 




4,500 00 


Expense Acc't, including Profit and Loss, . 




1,195 60 


Cash on hand, 




2,814 11 




$322,305 02 


$322,305 02 



Number of Depositors, . . . . . , m . . 1,140 

Rate of ordinary dividends for the last year, 4 per cent. 

Average annual rate of dividends for last three years, .... 7 per cent. 

Last dividend of reserved profits, in January, 1866. 

Dividend of all profits made, Annually. 

Largest amount invested in the stock of any one bank, . . . $8,000 00 

Average annual expenses, 1,150 00 



26 



BANK COMMISSIONER'S REPORT. 



[Jan. 



SOUTH SCITUATE SAYINGS BANK— SOUTH SCITUATE. 

[August 14.] 
Moses F. Rogers, President. Treasurer, E. T. Fogg. 



Deposits, ....... 


$214,704 34 




Profits, ....... 


2,519 18 




Public Funds, 




$13,850 00 


Bank Stock, 




41,300 00 


Loans on Real Estate, .... 




135,441 13 


on Personal Security, 




8,148 06 


to Counties, Cities and Towns, 




14,900 00 


Cash on hand, 




3,584 33 




$217,223 52 


$217,223 52 



Number of Depositors, 

Rate of ordinary dividends for the last year, . 

Amount of ordinary dividends for the last year, 

Average annual rate of dividends, . 

Last dividend of reserved profits, in 1865, 

Extra dividends are made once in . 

Largest amount invested in the stock of any one bank, 

Average annual expenses, 



819 
5 per cent. 
$10,363 36 
6£ per cent. 

$5,333 49 
Five years. 
$4,500 00 
450 00 



WALTHAM SAVINGS BANK— WALTHAM. 

[December 8.] 
Horatio Moore, President. Treasurer, J. S. Williams. 



Deposits, . 


• • • • 


$229,588 91 




Profits, 


• • • • 


15,027 61 




Public Funds, . 


• a • • 




$15,000 00 


Bank Stock, 


• • • • 




16,000 00 


Loans on Real Estate, 


• • • • 




132,408 00 


on Personal Security, . 




62,830 00 


to Counties, Cities and Towns, 




15,450 00 


Expense Account, . 


• • • • 




470 40 


Cash on hand, . 


• • • • 




2,458 12 




$244,616 52 


$244,616 52 



Number of Depositors, 

Rate of ordinary dividends for the last year, . 
Amount of ordinary dividends for the last year, 
Average annual rate of dividends for last five j'ears, 
Last dividend of reserved profits, in April, 1863, 
Extra dividends are made once in . . . . - . 
Largest amount invested in the stock of any one bank, . 
Average annual expenses, 



1,425 
4 per cent. 
$7,606 62 
6£ per cent. 

$2,200 00 
Five years. 
$5,000 00 
750 00 



1867.] 



PUBLIC DOCUMENT— No. 8. 



27 



WAREHAM SAVINGS BANK— WAREHAM. 

[July 81.] 
J. B. Tobey, President. Treasurer, T. R. Miles. 



Deposits, . 


• • • • 


$218,044 89 






Profits, 


• 






8,104 50 






Public Funds, . 


• 








$43,100 1 


Bank Stock, 


• 








101,435 


95 


Loans on Public Funds, 


• 








600 


00 


on Bank Stock, 


• 








14,600 


00 


on Real Estate, 


• 








1,275 


00 


on Personal Security, 








49,375 


00 


Expense Account, . 


• 








1,843 


49 


Cask on hand, . 


• 








13,919 


95 










$226,149 39 


$226,149 39 



Number of Depositors, 

Rate of ordinary dividends for the last year, . 
Amount of ordinary dividends for the last year, 

Dividend of all profits made 

Largest amount invested in the stock of any one bank, 
Average annual expenses, 



858 
7 per cent. 

$12,481 09 
Annually. 
$17,280 00 
637 49 



WARREN INSTITUTION FOR SAVINGS— CHARLESTOWN. 

[September 19.] 
James Adams, President. Treasurer, George F. Tufts. 



Deposits, 


$1,516,217 23 




Profit and Loss, ..... 


54,001 88 




Interest, 


62,114 46 




Bents, 


1,021 14 




Public Funds, 




$532,000 00 


Bank Stock, 




53,700 00 


Real Estate, 




60,000 00 


Loans on Beal Estate, .... 




659,365 64 


on Personal Security, 




9,000 00 


to Counties, Cities and Towns, 




257,255 00 


Interest accrued, 




25,884 94 


Railroad Bonds, ...... 




24,125 00 


Expense Account, . . . . . 




2,569 56 


Cash on hand, 




9,454 57 




$1,633,354 71 


$1,633,354 71 



Number of Depositors, 6,011 

Rate of ordinary dividends for the last year, 4£ per cent. 

Amount of ordinary dividends for the last year, $63,297 71 

Average annual rate of dividends, 6 per cent. 

Last dividend of reserved profits, in January, 1865, .... $103,775 48 

Extra dividends are made once in Five years. 

Largest amount invested in the stock of any one bank, .... $19,000 00 

Average annual expenses, 5,993 31 



28 



BANK COMMISSIONER'S REPORT. 



[Jan. 



WARREN FIVE CENTS SAVINGS BANK— SOUTH DANVERS. 

[December 14.] 
George Osborne, President. Treasurer, Francis Baker. 



Deposits, ....... 

Profits, ....... 

Public Funds, 

Bank Stock, 

Loans on Real Estate, .... 

on Personal Security, . 

to Counties, Cities and Towns, 
Cash on hand, ...... 


$248,232 98 
11,411 57 


$82,432 55 
60,484 00 
53,800 00 
5,300 00 
44,750 00 
12,878 00 




$259,644 55 


$259,644 55 



Number of 'Depositors, 

Rate of ordinary dividends for the last year, . 
Amount of ordinary dividends for the last year, 
Average annual rate of dividends, for last five years, 
Last dividend of reserved profits, in Nov. 1864, 
Extra dividends are made once in . 
Largest amount invested in the stock of any one bank, 
Average annual expenses, 



1,543 
6 per cent. 

$12,449 93 
6£ per cent. 

$8,201 95 
Five years. 
$11,000 00 
600 00 



WELLFLEET SAVINGS BANK— WELLFLEET. 

[July 26.] 
Richard R. Freeman, President. Treasurer, Simeon Atwood. 



Deposits, . . . ... 


$66,251 13 




Profits, 


8,699 52 




Public Funds, ...... 




$24,077 93 


Bank Stock, ...... 




28,617 67 


Loans on Real Estate, .... 




4,225 00 


on Personal Security, . 




9,400 00 


to Counties, Cities and Towns, 




7,800 00 


Cash on hand, 




830 05 




$74,950 65 


$74,950 65 



Number of Depositors, 412 

Rate of ordinary dividends for the last year, 6 per cent. 

Amount of ordinary dividends for the last year, $3,827 55 

Dividend of all profits made . Annually. 

Largest amount invested in the stock of any one bank, .... $5,000 00 

Average annual expenses, 235 00 



1867.] 



PUBLIC DOCUMENT— No. 8. 



29 



"WEYMOUTH AXD BRALXTREE IXSTITUTIOX FOR SAYIXGS— WEYMOUTH. 

[August 13.] 



Elliot L. TVhtte, President. 



Treasurer, A. L. "White. 



Deposits, . 

Profits, 

Public Funds, . 

Bank Stock, 

Loans on Real Estate, 

on Personal Security, 

to Counties, Cities and Towns, 

Cash on hand, ..... 



$335,071 01 
12,191 52 



6317,262 56 



£110,450 00 

52,000 00 

153,647 00 

14,000 00 

5,000 00 

12,165 56 

6347,262 56 



Xumber of Depositors, 

Rate of ordinary dividends for the last year, . 
Amount of ordinary dividends for the last year, 
Average annual rate of dividends, .... 
Last dividend of reserved profits, in January, 1864, 
Extra dividends are made once in . 
Largest amount invested in the stock of any one bank, 
Average annual expenses, 



♦ 1,945 

5 per cent. 

315,619 53 

6 per cent. 

69,819 50 
Five years. 
830,000 00 
600 00 



Yv OBURX FIYE CEXTS SAYIXGS BAXK— WOBURX, 

[November 28.] 



Abijah Thompson, President. 



Treasurer, James X. Dow, 



Deposits, . 

Profits, 

Public Funds, . 

Bank Stock, 

Loans on Bank Stock, 

Heal Estate, . 

on Personal Security, 
Cash on hand, . 



$81,972 66 
2,425 66 



684,398 32 



651,603 SO 

11,301 00 

600 00 

17,800 00 

3,000 00 

93 52 



684,398 32 



Xumber of Depositors, 1,157 

Rate of ordinary dividends for the last year, 5 per cent. 

Amount of ordinary dividends for the last year, S3, 084 05 

Average annual rate of dividends, 5 per cent. 

Last dividend of reserved profits, in July, I860, S2,450 72 

Extra dividends are made once in Three years. 

Largest amount invested in the stock of any one bank, .... $4,070 00 

Average annual expenses, 350 00 



30 



BANK COMMISSIONER'S REPORT. 



[Jan. 



BANKS OF ISSUE. 

Of these institutions, chartered by the State, but two remain, 
and a statement of their condition, at the time named, is 
submitted. 



NORTH BRIDGEWATER BANK. 

[December 24, I860.] 



United States Bonds, . $500 00 

Due from other Banks, 3,378 81 
Bills and Checks of 

other Banks, . . 3,865 75 



$7,744 5Q 



Capital Stock, 


. $500 00 


Circulation, . 


. 3,317 00 


Deposits, 


. 3,812 34 


Profit and Loss, . 


. 115 22 




$7,744 56 



CAMBRIDGE MARKET BANK. 

[December 27, 1866.] 



Loans, 
Due from 

Banks, . 



. $12,697 00 



other 



2,257 95 
$14,954 95 



Circulation, 
Profit and Loss, 
Surplus div'd unpaid, 



$2,710 00 

11,284 95 

960 00 

$14,954 95 



1867.] 



public document—no. 8. 



31 



THE PAWNEES' BANK. 

The following statement has been received by the Commis- 
sioner of Savings Banks, in accordance with the Act establishing 
the Pawners' Bank, in Boston. 

STATE OF THE BANK, 

On the fourth Saturday of October, 1866, at 7 o'clock, P. M. 



DUE FROM THE BANK. 

Capital stock called in, . 

Unclaimed dividends, .... 

Reserve account, ..... 

Net profits, (estimated,) 

Proceeds of auction sale, not yet adjusted, 

Estimated expenses due, but not paid, . 

Total amount due from the bank, . 



$113,500 00 

940 00 

640 38 

2,187 28 

5,317 00 

581 55 

$123,166 21 



RESOURCES OF THE BANK. 

Amount of outstanding loans on pledge of goods and 
chattels, ........ 

Interest accrued on loans and not paid in, (estimated,) 
Amount of deposits bearing interest, 
Amount of money on hand in the bank. 
United States Treasury notes, 
Vaults, safes, furniture, fixtures, &c, 

Total amount of the resources of the bank, 



$100,159 50 
8,800 00 
7,994 96 
' 321 45 
1,890 30 
4,000 00 

$123,166 21 



E. B. Foster, Cashier. 



The foregoing statement was verified by the oath of the 
cashier, and by the certificate, also under oath, of Joseph S. 
Ropes, William G. Weld, Samuel Johnson, Jr., John Bigelow, 
and N. C. Poor, a majority of the directors of the bank. 



32 



BANK COMMISSIONER'S REPORT. 



[Jan. 



50,417 

5,228 

7,593 

6,563 

6,224 

6,813 

9,921 

9,816 

$1,231,739 75 

1,131,580 25 

16,571 72 

13,764 50 

8,342 84 

8 per cent. 



674,473 



Interesting Statistics connected with the Bank. 

"Whole number of loans, 
Number of loans in 1860, 

in 1861, . 
in 1862, . 
in 1863, . 
in 1864, . 
in 1865, 

from Oct., 1865, to Oct., 1866, 
Total amount of loans to date, 

paid in on loans for the same time, 
Amount of interest earned on loans since last report, 

on loans paid since last report, 
Interest earned on loans but not paid in, 
Dividends declared for 1866, 
Estimated number of articles loaned on, 

73 out of every 100 of the loans made are $10 
43 out of every 100 of the loans the interest is less than 21 cents. 
29 out of every 100 of the loans the interest is less than 11 cents. 
19 out of every 100 of the loans the interest is less than 6 cents. 

5 out of every 100 of the loans the interest is only 1 cent. 
Average length of credit actually taken by the pledgers is three 
months and twenty-two days. 

Six months' credit is usually given, and loans can be renewed on 
payment of the interest due. 

Goods outside of the vault and safes are insured. 
Average amount of interest received on each loan is one dollar forty- 
two cents. 

Average amount loaned to each person, $22.81. 
Loans made on pledge of goods and chattels only. 
No loans considered doubtful. 
No bills issued by the bank. 
No deposit accounts. 



and under. 



1867.] PUBLIC DOCUMENT— No. 8. 33 



PUBLIC STOCKS 

Deposited with the Auditor of the Commonwealth by " banks organized 
under general laws" as security for their circulating notes. 

These securities were examined on the 29th day of Decem- 
ber, 1866, and the several accounts were found to be as 
follows : — 

Bank of the Metropolis. (Charter surrendered.) 

United States Five-Twenties, $3,000 00 

Circulation, • 2,636 00 

Safety Fund Bank. 

Town of Natick Bonds, . . . , . . . . $15,000 00 
Circulation, . . . ' 3,714 00 

Revere Bank. 

State of Rhode Island Bonds, $5,000 00 

Circulation, 5,000 00 

Bank of the Republic. 

Town of North Chelsea, Note, ..... $8,000 00 

Town of Marlborough, " ...... 2,000 00 

10,000 00 
Circulation, 3,150 00 

Continental Bank. 

United States Fives, 187.1, $10,000 00 

Circulation, • 1,700 00 

Mount Vernon Bank. 

Town of Melrose Bonds, $2,000 00 

Circulation, 1,500 00 

Harvard Bank. 

Massachusetts Bonds, $10,000 00 

Circulation, 4,000 00 

5 



SAVINGS INSTITUTIONS. 

Iii compliance with the provisions of the Act of April 30, 
1866, the Commissioner of Savings Banks has the honor to sub- 
mit the following Abstract of the Annual Returns of Savings 
Institutions in the Commonwealth, exhibiting their condition, 
respectivply, on Saturday, the twenty-seventh day of October, 
1866, in answer to the requisition of His Excellency the 
Governor. 






ABSTRACT 



OF THE 



ANNUAL RETURNS 



OF THE 



SAYINGS INSTITUTIONS. 



18 6 6. 



36 



INSTITUTIONS FOR SAYINGS. 



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PUBLIC DOCUMENT— No. 8. 



37 






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1867.] 



PUBLIC DOCUMENT— No. 8. 



41 



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1867.] 



PUBLIC DOCUMENT— No. 8. 



43 



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1867.] 



PUBLIC DOCUMENT— No. 8. 



51 



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52 



INSTITUTIONS FOR SAVINGS. 



[Jan. 



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1867.] 



PUBLIC DOCUMENT— No. 8. 



53 



*H 


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1867.] 



PUBLIC DOCUMENT— No. 8. 



55 



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INSTITUTIONS FOR SAVINGS. 



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1867.] 



PUBLIC DOCUMENT— No. 8. 



57 



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1867.] 



PUBLIC DOCUMENT— No. 8. 



63 



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69 



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PUBLIC DOCUMENT— No. 8. 



75 



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76 



INSTITUTIONS FOR SAYINGS. 



[Jan. 



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1867.] 



PUBLIC DOCUMENT— No. 8. 



77 



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78 



INSTITUTIONS FOR SAYINGS. 



[Jan. 



AGGEEG ATES. 



I860. 

One hundred and 
two Savings Banks. 



1865. 

One hundred and 
two Savings Banks. 



Number of Depositors, 

Amount of Deposits, .... 

Public Funds, 

Loans on public funds, 

Bank Stock, 

Loans on bank stock, 

Deposits in banks, bearing interest, . 

Railroad Bonds, .... 

Loans on railroad stock, . 

Invested in real estate, 

Loans on mortgage of real estate, 

Loans to counties and towns, 

Loans on personal security, 

Cash on hand, 

Average rate of ordinary dividends for the 
last year, . . . • • 

Aggregate amount of ordinary dividends 
for the last year, .... 

Annual expenses of the institutions, . 



316,853 

$67,732,264 31 

25,113,702 97 

812,618 00 

10.588.889 98 
282,186 52 

1,554,562 98 
427,573 75 
140,126 00 
477,699 34 

16.145.890 65 
6,060,110 88 
8,027,882 65 
1,333,628 52 

DjVo" per cent. 

2,908,235 50* 
219,257 03 



291,488 

$59,936,482 52 

22,067,718 48 

557,517 00 

10,444,026 96 

260,499 82 

702,925 87 

128,776 00 

448,120 05 

15,534,568 04 

5,616,838 92 

6,081,353 31 

656,353 25 

^tVV P er cent. 

2,738,531 27f 
203,348 56 



* Calculated on the returns of 93 Banks, — the Salem Five Cents, Cambridgeport, Woburn, Win- 
chendon, Westfield, Canton, Attleborough, and Wellfleet Banks having returned the rate, but not 
the amount of their dividends. The Sandwich Bank had not paid any dividend at the time its 
return was made. 

t Calculated on the returns of 90 Banks,— the Boston Penny, East Boston, Cape Ann, Woburn, 
Milford, Westfield, Berkshire County, Canton, Attleborough, and Wellfleet Banks, and the Insti- 
tution for Savings in Barnstable, giving the rate but not the amount of their dividends. The 
Sandwich Bank commenced business during the year. 



1867.] 



PUBLIC DOCUMENT— No. 8. 



79 



MERCANTILE SAVINGS INSTITUTION— BOSTON. 

The statement below represents the condition of this institu- 
tion, as sworn to by its Treasurer, on the first of October, 1866. 



Capital Stock, 

Deposits, 

Declared Dividends on Stock unpaid, 
Interest on Deposits, .... 

Suspense Account, 

Profits, 

Public Funds, (U. S. Stocks,) . 

Interest on the same, .... 

Bank Stock, (Tremont, $1,300 ; Republic, 500 

Everett, 2,000,) 

City of Boston 6 per cent, stock, 

State of New Hampshire 6 per cent, stock, 

State of Maine 6 per cent, stock, 

Interest on the above stocks, . 

Loans on Real Estate, % 

Interest on the same, .... 

Expenses charged to same, (additional,) . 

Institution building investment and interest, 

Rents due building investment, 

Safe, Furniture, &c, of Institution, . 

Cash on hand, October 1, 1866, 



$205,506 90 

168,307 09 

939 14 

2,805 96 

8,408 82 

.6,492 43 



$392,460 34 



$83,000 00 
1,375 00 

3,800 00 

5,000 00 

2,000 00 

1,000 00 

272 00 

236,760 01 

9,480 29 

2,533 37 

19,193 81 

1,687 50 

1,500 00 

24,858 36 



$392,460 34 



Number of Stockholders, October 31, 1866, .... 
Number of Depositors, October 31, 1866, .... 
Rate of ordinary dividend for the last year, on Deposits, 
Amount of ordinary dividends for the last year, on Deposits, 
Rate of ordinary dividends for the last year, on Stock, . 
Amount of ordinary dividends for the last year, on Stock, 
Average annual per cent, of dividends for 3^ years, 
No extra dividend has yet been made. 
Annual expenses of the institution, 



377 

646 

5 per cent. 

$4,750 66 

6 per cent. 
$12,326 15 

7 per cent. 

$4,086 63 



80 INSTITUTIONS FOR SAVINGS. [Jan. 



By the provisions of the Act under which the Commissioner 
of Savings Banks is appointed, it is made his duty to visit every 
savings bank and institution for savings incorporated by the 
State once in every year, and to report the general conduct and 
condition of each, making such suggestions as he deems 
expedient. 

As but a portion of these institutions have been examined 
since the appointment was made, it is not proposed, or deemed 
expedient, to advert at much length to their general conduct 
and condition in this Report. 

Enougli however, has been seen in the visits already made, 
and in a careful examination of the returns for the present 
year, to afford ample authority for saying that generally, the 
savings banks are managed in conformity with the laws relating 
to them, with great prudence, and that they are justly entitled 
to the confidence placed in them. 

As will be seen by the preceding table of aggregates, on the 
twenty-seventh day of October last, the whole amount of deposits 
in one hundred and two banks, was $67,732,264.31, being an 
increase for the year preceding that date of $7,795,781.79. 

Since 1834, when returns were first made by savings banks, 
with but two exceptions, each year has shown an increase in the 
amount of deposits ; but in no instance has it been so large as 
the present. 

In 1861 the decrease of deposits was $268,797.00, and of 
depositors, 5,010 ; in 1865 the decrease of deposits was $2,621,- 
121.78, and of depositors, 128. 

The fiftieth year of the existence of these institutions in 
Massachusetts will close with this year ; the first Act of incor- 
poration being that granted December 13, 1816, to the Provident 
Institution for Savings in the Town of Boston. 

The remarkable success with which our savings banks have 
met for the first half century of their existence, and the reason- 
able probability of a still more rapid accumulation of deposits 
in the future, may soon present questions of no less interest to 
the public, than to the depositors. A deposit no larger than that 
now held, liable to be drawn, substantially, upon call, may, in 



1867.] 



PUBLIC DOCUMENT— No. 8. 



81 



times of public excitement, become a source of danger not 
easily met. 

To show readily the popularity and rapid growth of these 
institutions in recent years, the following table is inserted, 
indicating their condition at the times named: — 



YEAR. 


So. of 

Banks. 


Number 

of Depositors. 


Amount of Deposits. 


Am't to each 
Depositor. 


1836, .... 


28 


29,786 


$4,374,578 00 


$146 19 


1S46, .... 


38 


62,893 


10,680,933 00 


169 82 


1856, .... 


81 


165,484 


30,373,447 00 


184 15 


1S66, .... 


102 


316,858 


67,732,264 31 


213 76 



The motives which have induced the establishment of these 
banks by the State are perfectly well known. They are based 
upon benevolent considerations, and for the benefit only of per- 
sons of small means, who, by the practice of frugality, may be 
able at times to lay by something for future need. 

It is upon this feature in their organization that their real 
value to society chiefly depends : and if at any time the laud- 
able purpose for which they were created, shall be substantially 
evaded by those who are intrusted with their management, the 
good of all will require additional legislative restrictions. 

Whether the intentions of the legislature are now being fairly 
carried out, can only be determined by requiring the return of 
additional facts, the propriety of which is suggested. 

A return of the number of new accounts opened, and the 
amount of deposits and withdrawals in each year, might easily 
be made, and would be of considerable value in th\s direction. 

It will be seen that while the increase of deposits for the pres- 
ent year is so large, the investment in real estate securities has 
been comparatively small. And it is claimed that a large 
demand upon savings banks for loans on this class of securities, 
to be used in erecting dwellings and small manufacturing estab- 
lishments, has existed for the last year, in most of the cities 
and large towns, but which has not been met with the usual 
facilities. 

n 



82 INSTITUTIONS FOR SAYINGS. [Jan. 

Complaint is made that, thereby, the general prosperity of the 
people, and the material interests of the State, have not been 
advanced, as might have been reasonably expected, by these 
institutions. 

That the demand has existed, and to a considerable extent 
not been answered, is probably true. While investments in 
mortgages of real estate are of the most desirable class for sav- 
ings banks, they are generally attended with more care than 
many others, now easily obtained, and equally safe ; and so 
long as this fact exists, and the legal rate of interest in this 
State retains its present inequality, any adequate remedy for 
the alleged cause of complaint seems impracticable. 

There is one practice, prevailing to a limited extent in a few 
of the savings banks visited the present year, to which the Com- 
missioner feels bound to call attention ; and that is the 
discounting of business paper. 

It has often been alluded to in the reports of the Bank Com- 
missioners, when these institutions were under their supervision, 
and as often properly condemned. It is a method of invest- 
ment not believed to be one intended by the legislature in 
establishing savings banks, and does not possess those elements 
of safety which ought to be the first consideration in making all 
investments. The classes of securities specially described by 
law. in which deposits may be invested, are now so numerous, 
that there seems to be no excuse for evasion of its requirements 
in this particular. There may be times when many of the most 
desirable securities described can only be had by paying a 
larger premium than would be warranted, where a permanent 
investment is sought. But it is confidently submitted that 
they are not of such frequent occurrence, or attended with such 
grave difficulties, as to prevent the managers of savings banks 
from confining themselves strictly within the limits prescribed 
by law in making investments. 

If the desire to pay a high rate of interest, and thereby to 
attract a large deposit, without any particular regard to the 
source from which it comes, is the cause of the practice, as it 
undoubtedly is in most cases, it ought not to be entertained. 
Safety is of far greater moment than the rate of interest. 

If there should be times when committees find difficulty in 
properly investing deposits as they flow in, it is suggested that 



1867.] PUBLIC DOCUMENT— No. 8. 83 

often much, if not entire relief from the embarrassment might 
be found, in exercising proper discretion as to the persons from 
whom deposits should be received, and in closing the accounts 
of others for whose use the institutions were never intended. 

The suggestion made heretofore by the Bank Commissioners, 
that the duties of cashier of a bank of discount, and treasurer 
of a savings bank, ought not to be performed by the same per- 
son, I beg leave to renew, and to say further, that since the 
banks of discount have passed entirely from the supervision of 
the State, the objection is of still greater importance. Any 
examination of the assets of a savings bank, where this union 
exists, must necessarily be, if not entirely worthless, quite 
incomplete and unsatisfactory for the object intended. 

F. M. STONE. 

December 81, 1866. 



INDEX 



TO THE ANNUAL RETURNS. 













[Locations.] 












Page. 


Page. 


Abington, 70 


Milford, .... .54 


Adams, 










62 


Millbury, . 










54 


Amherst, . 










58 


Nantucket, 










76 


Andover, . 










38 


Xatick, 










50 


Attleborough, 










66 


New Bedford, « 










68,70 


Barnstable, 










74 


Newburyport, 










42 


Boston, 










36,38 


Newton, 










50 


Brighton, . 










44 


Northampton, 










58 


Cambridge, 










44,46 


North Bridgewater, 








72 


Canton, 










62 


North Brookfield, 








54 


CharlestoAvn, 










46 


Pittsfield, . 








62 


Chelsea, 










38 


Plymouth, . 










72 


Chicopee, . 










58 


Provincetown, 










76 


Clinton, 










52 


Quincy, 










64 


Cohasset, . 










64 


Randolph, . 










66 


Concord, . 










46 


Rockport, . 










42 


Danvers, . 










40 


Roxbury, . 










66 


Dedham, . 










64 


Salem, 










. 42,44 


Dorchester, 










64 


Salisbury, . 










44 


Easton, 










70 


Sandwich, . 










76 


Fairhaven, 










68 


Scituate, . 










72 


Fall River, 










68 


Shelburne, . 










62 


Fitchburg, . 










52 


Southbridge, 










54 


Foxborough, 










64 


South Danvers, 










44 


Framingham, 










48 


South Scituate, 










74 


Gloucester, 










40 


Springfield, 










60 


Greenfield, 










60 


Stoneham, . 










50 


Haverhill, . 










40 


Taunton, . 










70 


Harwich, . 










74 


Waltham, . 










52 


Hingham, . 










70 


Ware, 










58 


Holyoke, . 










58 


Wareham, . 










74 


Lancaster, . 










54 


Wellfleet, » 








» 


76 


Lawrence, . 










40 


West Cambridg< 


■"t ' 








52 


-L.tr*r. • • i 










62 


Westfield, . 










60 


Lowell, 










48 


Weymouth, 










66 


Lynn, 










40,42 


Winchendon, 










56 


Maiden, 










50 


Woburn, . 








52 


Marlborough, 










50 


Worcester, . 








56 














4 


2C 













£^ 



5'ifi